Not Resolutions, per se...end of January update

Back on December 31st, 2012, I posted about some changes that I have been wanting to make. I didn't call them resolutions because I just didn't think that was quite the right term for them. But I did want to update you on those changes I wanted to make and how they have been going. So here goes:

Personal Scripture Study: F
Same as I said last time...Between doing the reading for Sunday School (which I don't attend because I'm a Nursery leader) and Relief Society (which I also don't attend for the same reason) as well as the reading that relates to my Visiting Teaching message and to my Nursery leader role, I really haven't been doing any personal reading. I do still plan to do it though.

Scripture Study with Bree: B
I had planned to order our Seminary books so that we could start as soon as the kids were back in school on the 7th of January, but time got away from me and I ended up not ordering them until the 9th and as of yet, we haven't received them, they are due here though, on the 22nd, although I anticipate them actually showing up before then.

They actually showed up on the 18th, although we didn't start them until the 20th/21st. I gave her the copy of her book at church that day and we started the next day. I have been pretty faithful (missed one day but had an extra long session the previous day that I felt kind of balanced it out, even though I know that it doesn't really) about doing my Seminary reading.

Tackling a particular area of the house each week: B
I had planned to start with the den. And as far as this goes, I forgot to do a post the next day with pictures of the items and then the finished product. However, I will say that nearly all of the homeless items were either re-homed to someone else's house, discarded or given a proper home here. The one exception to that would be the things that are under my husband's desk. Practical excuse: When I have the time, his legs are usually under his desk. In reality: I have more time than when he is actually using his desk, but when he's not, I push the chair in (out of habit) and the chair essentially hides those few remaining homeless items. Therefore, out of sight, out of mind. I WILL get that done (with pictures to prove it) before this week is over.

For next week's tackle, I plan on attacking laundry in a major major way. It just needs to be done.

I did get that area done but no pics. Sigh. One of these days my posts WILL have pics again. One of these days. I have been working on the laundry in a major way. There is still more to do, but it's a process and I'm plugging away at it. And making great progress, I might add! I think this laundry tackle may be one that I will actually continue doing throughout the month of February.

Meal Planning: A
Week 1 (aka 1-1-13 to 1-6-13) was planned and followed
Week 2 (aka 1-7-13 to 1-13-13) was planned and followed
Week 3 (aka 1-14-13 to 1-20-13) was planned and is being followed but I didn't blog it because I was busy and forgot to do it.

Week 4 (aka 1-21-13 to 1-27-13) was planned and followed
Week 5 (aka 1-28-13 to 2-3-13) was planned and is being followed but I didn't blog it because of illnesses and the fact that it's been kind of a loose plan due to the illnesses.

Savings Goal of $1200: A+
I have saved up an additional $300 already this month, on top of the $300 that I already had. In reality, Hubby's check is going to be short this next pay period so most likely the extra $200 that I have saved will be re-routed to make up the shortage on his check. However, it will not affect the amount that I have saved this far and it also won't drive me off track with my goal either. Hubby did see something this one idea on Facebook though and while it does seem interesting, I'm not sure that it is entirely practical for our family.

Someone had commented that they were doing it backwards so that it would get progressively easier as opposed to progressively harder. Plus, if you put away the most amount of money early on, and you have it in a bank or someplace where you are earning interest on it, you're making more interest earlier on. Not to mention, you are more likely to save more money at the beginning of the year when your resolve to save is at it's freshest. I hope that makes sense.

Hubby's work missed a paycheck that is still unaccounted for and he had a less than usual paycheck as well, so we are back to just the $100 (+ $300=$400) saved. We might need to dig into that, though, to make up for the missed paycheck. That's what it is there for though, right?

Chores: B
Our chore system is still going strong. I have tweaked it and will post about it (and some of the previous tweaks that I have done to it). Who knows? Maybe this current system (or one of the previous tweaks) will work for you as well. Or maybe give you something to start off from.

The chore system is going better than ever! Loving it! My older boys are continuously going above and beyond their expected chores nearly every day. Cannot complain about that!

Use our gym membership at least once per week: D-
Week 1 - 0
Week 2 - 0
Week 3 - 0

However, I did just sign the kids up today for swim lessons (Oralee and Jeriah) and swim team (Cephas and Koren) as well as for Recreational Soccer (Cephas), Flag Football (Koren), Micro Volleyball (Oralee) and Micro Soccer (Jeriah). So, that kind of used our membership...kinda. Once we are already at the gym for those lessons, it's so much easier to just go ahead and work out. Funny how things work out like that.

Week 4 - 3 times
Week 5 - 0 times so far due to illnesses. Blech!

Losing 2% of my weight per month: C-
At this point, I'd have to go weigh myself, but I don't believe that I have currently lost any weight at all.

I weighed myself on 1/26/13 and at that point, I had lost 1%. Not all that I'd hoped for, but it's a start.

Eating more meals prepared at home: C
We have definitely done better in this department. There is still room for improvement though. Ideally, we would be eating out once per month, twice in a birthday or anniversary month.

Still doing better, still lots of room for improvement. Our biggest downfall is those unexpected trips that come up that ends up preventing us from being home in time to start the meal at a time that would make sense. I just need to do a better job of planning ahead and making sure that I am home in time to make the meal.

Cutting out soda: D
Complete fail at this point in time. My plan was to trade soda in for decaf tea, but I haven't gotten there just yet. If I were to just make some and have it ready to go in the fridge, I'd set myself up for success right there. However, I haven't as of yet. There's nothing like the present to get started on that one though!

Still a fail, but mostly because I haven't yet bought the tea. I thought I had decaf tea, but I didn't. So instead of giving up the soda, I have been drinking non-caffeinated soda or diet soda. I wish it was both, but it's generally one or the other. I don't really like the diet versions of the caffeine free sodas. But this last week of January, I have actually been doing really well with it. I did have one diet soda when we ate at Hubby's work this week, but that was only because the server knows us and that's what I always order and she never even asked me what I wanted to drink - she just brought it out.

Not Resolutions, per se...mid-January update

Back on December 31st, 2012, I posted about some changes that I have been wanting to make. I didn't call them resolutions because I just didn't think that was quite the right term for them. But I did want to update you on those changes I wanted to make and how they have been going. So here goes:

Personal Scripture Study: F
Between doing the reading for Sunday School (which I don't attend because I'm a Nursery leader) and Relief Society (which I also don't attend for the same reason) as well as the reading that relates to my Visiting Teaching message and to my Nursery leader role, I really haven't been doing any personal reading. I do still plan to do it though.

Scripture Study with Bree: F
I had planned to order our Seminary books so that we could start as soon as the kids were back in school on the 7th of January, but time got away from me and I ended up not ordering them until the 9th and as of yet, we haven't received them, they are due here though, on the 22nd, although I anticipate them actually showing up before then.

Tackling a particular area of the house each week: C
I had planned to start with the den. And as far as this goes, I forgot to do a post the next day with pictures of the items and then the finished product. However, I will say that nearly all of the homeless items were either re-homed to someone else's house, discarded or given a proper home here. The one exception to that would be the things that are under my husband's desk. Practical excuse: When I have the time, his legs are usually under his desk. In reality: I have more time than when he is actually using his desk, but when he's not, I push the chair in (out of habit) and the chair essentially hides those few remaining homeless items. Therefore, out of sight, out of mind. I WILL get that done (with pictures to prove it) before this week is over.

For next week's tackle, I plan on attacking laundry in a major major way. It just needs to be done.

Meal Planning: A
Week 1 (aka 1-1-13 to 1-6-13) was planned and followed
Week 2 (aka 1-7-13 to 1-13-13) was planned and followed
Week 3 (aka 1-14-13 to 1-20-13) was planned and is being followed but I didn't blog it because I was busy and forgot to do it.

Savings Goal of $1200: A+
I have saved up an additional $300 already this month, on top of the $300 that I already had. In reality, Hubby's check is going to be short this next pay period so most likely the extra $200 that I have saved will be re-routed to make up the shortage on his check. However, it will not affect the amount that I have saved this far and it also won't drive me off track with my goal either. Hubby did see something this one idea on Facebook though and while it does seem interesting, I'm not sure that it is entirely practical for our family.

Someone had commented that they were doing it backwards so that it would get progressively easier as opposed to progressively harder. Plus, if you put away the most amount of money early on, and you have it in a bank or someplace where you are earning interest on it, you're making more interest earlier on. Not to mention, you are more likely to save more money at the beginning of the year when your resolve to save is at it's freshest. I hope that makes sense.

Chores: B
Our chore system is still going strong. I have tweaked it and will post about it (and some of the previous tweaks that I have done to it). Who knows? Maybe this current system (or one of the previous tweaks) will work for you as well. Or maybe give you something to start off from.

Use our gym membership at least once per week: F
Week 1 - 0
Week 2 - 0
Week 3 - 0 so far and likely 0 for the remainder of the week

However, I did just sign the kids up today for swim lessons (Oralee and Jeriah) and swim team (Cephas and Koren) as well as for Recreational Soccer (Cephas), Flag Football (Koren), Micro Volleyball (Oralee) and Micro Soccer (Jeriah). So, that kind of used our membership...kinda. Once we are already at the gym for those lessons, it's so much easier to just go ahead and work out. Funny how things work out like that.

Losing 2% of my weight per month: F
At this point, I'd have to go weigh myself, but I don't believe that I have currently lost any weight at all.

Eating more meals prepared at home: D
We have definitely done better in this department. There is still room for improvement though. Ideally, we would be eating out once per month, twice in a birthday or anniversary month.

Cutting out soda: F
Complete fail at this point in time. My plan was to trade soda in for decaf tea, but I haven't gotten there just yet. If I were to just make some and have it ready to go in the fridge, I'd set myself up for success right there. However, I haven't as of yet. There's nothing like the present to get started on that one though!

Not Resolutions, per se...

But there are changes that I'm wanting to make, ones that I have been contemplating for a little while and that I would have been implementing regardless of the date, so here they are:

My best friend, Bree, and I are planning to do Scripture study together and separately. We plan to do Seminary reading assignments and then meet up together once a week and discuss them. We're hoping to get a couple more friends involved in it as well. It should be quite a bit of fun and teach us a lot.

I rearranged my house this past week. Partially to accommodate a few Christmas gifts and partially to change things up and get areas neat, straightened and organized. I plan to continue to purge (a MAJOR part of what I did this past week) and to continue organizing as well. I plan to tackle a particular area of the house each week. I think the first week will be the den, as that is where Hubby and I spend most of our time. We got the furniture rearranged in here, but now there are some items sitting around in piles that are now, well, homeless. And they need homes. They deserve homes. I'll post more about this tomorrow, complete with pictures.

I also plan to start doing meal planning again. It works out so well but lately I have really dropped the ball when it comes to doing it. I mentioned in my post from the early morning hours today that I plan to have the family sit around and pick out recipes that they'd like to try and we will incorporate them into a monthly meal plan. This way, I can set a meal plan for the whole month. We can always tweak it a little bit based on changes for that day, but even still, it's much more helpful to have an actual plan in place.

And I have been working hard to set aside some money for savings. I have a goal this year to save up $1200, which isn't so bad. That's a mere $100 per month. I know that I can do it! And the idea is to not dip into it for any reason at all. So far, I have $300 saved up, which really isn't much. But this new goal to save $1200 would put us at a savings amount of $1500, which would be wonderful to have on hand just in case we should need it.

Our chore system is going well. I have tweaked it here and there and may need to slightly tweak it again here soon, but it will be after some additional thought and evaluation and a discussion with the Hubby to see what we like about it and what we want to change about it. But overall, the kids have done extremely well with it.

We have skipped the gym and all associated activities with our membership since, oh, I don't know, July maybe? Something horrible like that. We fully intend to use our membership at least once a week starting this week now. I would seriously like to lose 40% of my body weight, but probably it wouldn't be practical nor safe to lose that much in a year's time, so I'd settle for losing 2% per month, each month from now until I am at that 40% lost mark. That's a goal that will take 26 months to accomplish. Just over two years. I'm okay with that. I have to be. It took me awhile to get to the point where I am now and it will take me awhile to get back to where I was. At the end of this year, I should have lost (according to my goal) around 12% of my body weight. Regular gym activities, eating more meals prepared at home and as a family and cutting out soda (even diet soda) should help these things out tremendously.

So that's my New Year's "Not Resolutions, per se" post. Tonight, we are going to have dinner, pick out some recipes, maybe bake some banana bread, then curl up on the couch with our pajamas on, watch a movie, eat some popcorn (none for me, thanks, I'm not a fan) and just spend time together as a family. Sounds like a wonderful way to start a new year!

31 Days...Day 1...Budgets

The theme behind my 31 Days of... posts will be "31 Days of Homemaking". It will be 31 posts about anything related to homemaking, you know, making a home. Whether it has to do with parenting, housework, organization, crafts, whatever. As long as it falls under the definition of making a home, it counts.

Day 1 - 

Today is Monday, October 1st, 2012. First of all, today is Jeriah's fifth birthday. Happy Birthday, Jeriah! Secondly, today's topic will be "Budgets," as it is an area of our lives that I have been working hard on.

I am going to share more on this subject than I have ever planned to share online about such a private matter, but here goes.

Our monthly income is $2641.00.

This is how we break our income down:

2641.00
-765.00 food
1876.00

- 500.00 savings
 1376.00
- 240.00 fuel
 1136.00
- 335.00 lot rent
   801.00
- 200.00 electric
   601.00
- 200.00 cable/internet/home phone
   401.00
- 125.00 phone
   276.00
- 125.00 student loans
   151.00
-   60.00 household supplies 
     91.00
-   30.00 gym membership
     61.00
-    10.00 netflix account
     51.00

Now, you may notice that I have taken this line by line through our budget. But there are a few notes I want to add in about.

Our food budget is high. We have six people in our family and the budgeted amount is based off of "Official USDA Food Plans: Cost of Food at Home at Four Levels, U.S. Average, August 2012" guidelines using the thrifty plan. While those guidelines put us at an average of 915.30 for our family of six, our budget is $150.00 less than that. I still think that $765.00 seems like quite a bit as well, but we just carry over the food budget from month to month for when the price of food increases (last year from flooding, this year from drought, so on and so forth). We also have additional people that eat with us as well. In a typical week, we have at least 11 meals shared with at least one more person, but most often, it is more meals and more people.

Next up, is our savings plan of $500.00 per month. This is a recent addition to our budget. I think this is a nice even amount to deduct each month. We have it divided up though. Part of it (40%) is long-term savings, part of it (20%) is short-term savings (for big ticket items), part of it (20%) is savings for gifts and such, and another part of it (20%) is for unexpected expenses or infrequent expenses (insurance premiums, home repairs, car repairs and maintenance, etc.)

We both have vehicles (paid off) and our only monthly fee for those are for our fuel. I based our fuel cost on roughly $4.00/gallon. Lately, it has been closer to $3.75/gallon so we are keeping the excess reserved for those times when the price may increase to more than $4.00/gallon. We roll the excess allotment over from month to month, when there is one and we use the excess when we take road trips to visit family or friends here and there throughout the year. If we accumulate a fair amount of money in this area, we will use it toward a down payment on a newer vehicle when we need one.

Our home is paid for free and clear. The only housing payment we have is for the land our home sits on, which runs us a mere $335.00 per month, which I think is pretty reasonable.

I over-budget for our electric bill as well. We roll this amount over from month to month as well. When we have enough excess in this area, we will use it for things like new windows, new appliances, new HVAC unit, etc. to help with our energy efficiency. I'd love to use it for solar panels, but not sure if that is realistic.)

Our cable bill is also over-budgeted. We do have basic cable, digital cable, DVR service, internet service with a faster download speed and home phone. And even with all of that, our budgeted amount is still almost double what our actual bill is. I really have no plans for the excess amount in this area, unlike the other areas, but it's nice to know that it is there. I suppose that amount would eventually be used toward the purchase of new electronics (TV, computer, audio, etc.)

Our cell phones (two of them - both smartphones) run $125.00 a month, with no contract and unlimited everything. We love our plan!

Student loans. What can I say? Blech.

Household supplies is a small portion of my monthly budget because we really don't spend all that much on this department. I buy in bulk as needed and usually, I don't have to replace big bulk items all at once. Some of our household supplies come out of our grocery budget (things like baking soda and vinegar) and I can get many personal care items for free or next to nothing by watching the sales and the coupons and pairing them up together.

Our gym membership is SO worth it to me. Between the activities for the kids, the fitness and activities for us, the free childcare, etc, it has well proven it's value far beyond the cost.

We have a netflix account. This has been a lifesaver! We stream mostly through our Wii or our computers. I love being able to go in and watch complete seasons of TV shows. Tonight, we used it for a show that we don't have recorded on DVR to settle down a toddler that was going to be staying the night here for the first time. It worked very nicely!

And that leaves us with just a small amount unaccounted for. Hubby and I use that amount for our rare date night dinners out or things like that.

I think the key to budgeting is to get an idea of what and where you spend your money each month, by tracking it for a few months and then make your decisions based off of that. You can see where you need to trim your budget and where you should just cut things out of it.

I also make a small, varying amount of money each month, but since it varies, I don't factor this in to our budget and just stick it into savings or use it for extra things that the kids need or that we want but don't want to take it out of our regular budget, etc.

The hardest part of a budget isn't really so much of coming up with it or setting it, it's sticking to the budget that is really hard. I don't have any real tips for that. I still feel like I get to shop quite often, but I tend to really watch for sales, buy used from other people (which saves money and reduces waste) and once you get started trying to save as much as possible, it becomes almost like a challenge, trying to save more and more each month. I love it!

If you have any questions about my budget or about making or setting your own budget, feel free to leave a comment and I will do my best to help you out as well.

This post is part of a series hosted by The Nesting Place. You should go and see what others are posting about this month as well!

Exciting Change

I had mentioned in my Two Months in No Time Flat post that there were some very exciting new changes going on in our lives.

My husband has made the solid request that I stay at home.

In the course of our 11 year marriage, I have worked or gone to school nearly the whole time, minus end of pregnancy times. Sometimes, I had a "real" out of the home job, sometimes I had an out of the home job, but it was more of a self-employment kind of thing (CNA doing private duty, doing childcare in someone else's home, etc). Other times, it was an in-home job doing self-employment (marketing, sales, home childcare, etc) and then of course, some of it was spent in college. Most of the time, it was a combination of all of the above.

Late last year, I had switched from regular hours at my job as a private duty home health aide to a PRN schedule. But my PRN shifts were not very frequent. Then I got called on to do PRN for another family that I have been with for years and so then I was PRN at two different places. The only problem with this is that either they were both fine and didn't need me, or they both needed me at the same time. It was a real balancing act that was rather stressful for awhile there.

Meanwhile, Hubby had started a new job and was being cross-trained because the store manager (known as the general manager) wants Hubby to be an assistant manager in a certain area. So Hubby was working and getting more and more hours.

We worked hard to try to balance our schedules so that we were the ones home taking care of the children. There were times (some more frequent than others) where the kids would end up needing to spend time over at Hubby's parent's house. Which is fine. We love having them spend time with their grandparents but we also didn't want to rely so much on his parents for childcare.

Then, there came a slow spot in the PRN hours and during this time that I was home more, the children's behaviors and schedules improved, their grades and performance in school improved, the overall care of the house improved, I was able to focus much more on taking care of my home, my husband, my children and make them feel like they were really important, and not just something that I have to check off before rushing off to work. I know it may sound horrible, but sometimes, that's exactly what it felt like, and I'm sure that is what it felt like to them too.

Cephas began reading at or above grade level for the first time in four years, Koren began reading at or above grade level for the first time ever, Jeriah made such improvement that he was released from Special Education. Oralee, well, Oralee hasn't had much marked change but even still, with all of the other changes with the boys, we determined that it was due in large part to the time I was at home, able to focus on them and really help them to succeed.

We also determined that by making a few changes, we would be able to make ends meet on just Hubby's income. Now, there isn't a WHOLE lot of wiggle room, but we have enough for all of our bills and needs, savings, tithing as well as some leftover for fun stuff or to just simply take our family out for dinner (which isn't always cheap when you have a family of six!)

There was still the question, though, of should I continue with some minor part-time PRN hours, just to give us a little bit more wiggle room or savings or whatever. I wanted to make sure that I was also contributing to our household.

And then I got the call. One of the families wanted me to come back to regular hours. So Hubby and I sat down and discussed it. His answer? "No. I don't want you to go back. We don't need the extra money." First of all, NEVER before in our marriage have we been able to say that. We probably could have said that before, but I think our perspective has changed quite a bit recently.

I questioned him, wanting to make sure and listed out the benefits of having the extra money, to which he replied, "Yes, that is all true. But. The extra money won't volunteer in the kids' school. The extra money won't help our children to improve in their grades. The extra money won't give our household that added stability that having you home has had. The extra money won't make coming home each day to you feel quite as good as having you there to greet me does."

And so, the decision was made. I am now a stay-at-home mom. It has been quite the adjustment and I am still working hard to master the whole "stay-at-home" part of the term. :) But it has been wonderful. The best part? To know that what I am doing here has made THAT kind of a difference in not only my children and their schooling and overall demeanor but also in the way my husband now views our home. I think he actually considers it to be more of a sanctuary than he ever has before. It's not always perfect (actually, it never is) and quite often, there are still dishes needing to be done, laundry needing to be done, folded, put away or whatever. There are toys and messes here and there, but it's not about that to him (at least, not right now - it is something that I'm working on getting more attentive to), it's about the feeling of home. I think I'm doing something right at this point though!

The Saved Quarter Challenge - Week 1 Catch Up and Week 2

I'm joining in on this a little bit late, but I am ready to participate! For the first week, we were supposed to set a goal and write it down.

My goals are to:

Save 10% of our income for an emergency fund.

Save 5% of our income for medical expenses not covered by insurance. Or to use for co-pays, etc.

Set aside 10% of our income for tithing. While not technically saving, it is an important investment and I think a crucial one when it comes to money matters.

Week 1 Complete

~~~~~~~~~~~~~~~

Beginning of Week 2

Savings:
Hubby got paid on 1/6/2012 and I immediately put 10% of his paycheck aside for savings in a certain tucked-away spot. It would make more sense to put it in the bank to accrue interest but that is not a logical option for me right now, as I am too quick to withdraw money from there when I want it. I now have $20.00 set aside for our emergency fund. (Hubby had a lot less hours than normal over the last month or so, these totals are going to be smaller for this paycheck and the next.)
Total: $20.00 this week, $20.00 year to date

Medical:
I also tucked away 5% in another spot to set aside for medical expenses. I now have $10.00 set aside for for medical expenses.
Total: $10.00 this week, $10.00 year to date

Tithing:
And finally, I tucked 10% into an envelope and turned it in to the church yesterday morning. I contributed $20.00 plus an additional amount to the church for our tithing.
Total: $20.00 this week, $20.00 year to date

Tracking Spending:
I haven't been writing everything down as it happens, but I do keep every single receipt and then I record it later. This works for a couple of different reasons. This way I can also track regular and sale prices for individual items as well. But since I have the receipts to use for all of this, I can easily track our spending.

This also helps with one of my 2012 Resolutions, in particular Item 6e.

You can click the image above to be directed to the Saved Quarter or you can click here.