Tag Archives: budget

Purchase, Purchase

I Love Shopping Picture

I have made it a point to be very intentional in my purchasing the last 2-3 years.  I run the usual investigative questions through my mind for most purchases – Do I really need it?  Why do I want it?  Do I already have something like it? How will I feel about it in the near future?  Do I have room for it? Will it really make my life better?

With these questions, I have been successful in a 2+ year handbag shopping ban and a clothes shopping ban for 5 months.  But, nature abhors a vacuum and some other interesting purchases have made it to the forefront.

I purchased a new phone last week.  I moved from a MOTO E from Republic Wireless to the MOTO G. I wanted to wait until they had a new selection that was similar to the MOTO X but my phone was dying by degrees.  I couldn’t even turn off the alarm in the mornings anymore — oh the horror!

I have discovered couponing!  I have LOTS of dish detergent, paper towels, hair products and vitamins.  I justify this shopping by letting couponing experts tell me I am saving money in the long run.  It must be a really looooog run because my MINT account is going crazy. You should see the notifications I am getting about the Shopping category.

With the exception of a few items that I only picked up because they were free, I know that I will use all the products personally or as goody bag stuffers. But I recognize the truth.  I just wanted to try something new and I wanted to SHOP.  I did a good thing by implementing shopping bans.  I did poor follow through by not replacing the shopping activity with a healthier option.

Now that my eyes are open, I am beginning a new plan. I will take full advantage of the soon to be nice weather and focus in on our garden work. Usually on gardening days I am too tired to want to do anything else anyway and that is just the way I like it.

I also plan to pick up some inside tasks.  Junior wants to paint her room and some of her furniture and that is definitely a distraction.  Her favorite colors at this moment are grays, blacks and whites. Should be interesting.

Oh yeah and I plan to eat more.  Not exactly the usual goal that is written but what can I say?  I am at an age where I finally enjoy trying new recipes, have learned a reasonable substitute for Cream of Tarter and no longer care about my weight in relation to popular culture.  A healthy enough weight is fine with me.

So there.  I am putting down my coupon clippers  and picking up my garden shears. It’s time for some growth.

The Thrifty Image

Monday Money Review – Business Travel

Monday-calendar-dreamstime_14224102-2

It is not Monday.  Well it is, just not the Monday that this Review should talk about.  I am a week late on reviews but I am clawing my way back…

So the first mention is that this is the first time I have ever stayed at a Disney Resort.  Specifically, Disney’s Coronado Springs.  It was…different than I expected.  Certainly HUGE.  The staff VERY accommodating.  The grounds pretty and green and lush. However, the room itself was just OK.  More like a Motel 6 than a resort experience with beautiful indoor rooms I was expecting.  Oh well.  Now I know.

But, how did the money go over the weekend?

Church  – $328

Church – $0

Groceries – $25

Groceries – $10

Fun Outing – $0

Fun Outing – $0

Hotel* – $390

Hotel* – $360

Parking* – $18

Parking* – $18

Taxi* – $40

Taxi* – $0

Snacks for travel – $5

Snacks for travel – $5

Restaurant Food* – $80

Restaurant Food* – $64

Hotel Spa Service – $125 + tip

Hotel Spa Service – $0

Total – $1,011

Total – $457

So it looks like I did a great job with my finances during this travel but the these results are really corrupted.

I just never donated online to the church and donated in person via check when I returned.

The biggest impacts to the weekend money were, in addition to the delayed church donation, changing my mind about getting a spa service, no taxi fare and a slightly lower hotel bill than expected.

I did have a little fun and went to Disney Springs (once known as Downtown Disney).  I walked around at the town created for shopping and eating, caught a movie and grabbed a yummy dinner there at the theater and, did a little shopping at Basin for Mirror Image.  But those expenses were on Monday so they don’t count.

One of the good things about staying in a Disney property is that complimentary transportation is provided to and from the airport and to all of the theme parks.  So no taxi fare this time.

So that is how I spent Weekend Money while traveling for business. The hotel expenses and parking will be reimbursed.

Thrifty Image Mirror

Monday Money Review

Magnifying Glass - Results

Uhhh!  What a weekend. Glad THAT’S over.

Let’s see what the money had to say about the weekend. So, here we go:

Before

  • Church (tithes/offering) = $28
  • Gas = $0
  • Personal Care (haircut, mani/pedi, etc.) = $20
  • Groceries = $35
  • Dollar Tree = $0
  • General household shopping = $10
  • Vehicle Service/Repair = $0
  • Clothes Shopping = $0
  • Gifts = $25
  • Restaurant = $0
  • Zips Dry Cleaning = $0
  • Prescriptions = $35
  • Fun Outing = $10
  • Total = $143

After

  • Church (tithes/offering) = $28
    • Church (tithes/offering) = $0
  • Gas = $0
    • Gas = $0
  • Personal Care (haircut, mani/pedi, etc.) = $20
    • Personal Care (haircut, mani/pedi, etc.) = $0
  • Groceries = $35
    • Groceries = $55.11
  • Dollar Tree = $0
    • Dollar Tree = $13.89
  • Vehicle Service/Repair = $0
    • Vehicle Service/Repair = $0
  • Clothes Shopping = $0
    • Clothes Shopping = $6.35
  • Gifts = $25
    • Gifts = $0
  • Restaurant = $0
    • Restaurant = $0
  • Zips Dry Cleaning = $0
    • Zips Dry Cleaning = $0
  • Prescriptions = $35
    • Prescriptions = $0
  • Fun Outing = $10
    • Fun Outing = $0
  • Total = $143
    • Total = $75.35

 

My weekend was sort of carried somewhere in a hand basket, to turn a phrase.

I went to Dollar Tree to get a few items on Saturday – which were not budgeted for.  And I went to Aldi as planned and came in WAY under budget but then busted that by getting some additional items from Shoppers and Giant. Those were special snack items and craft items for Mirror Image.I blew the clothing budget, too because even with the $10 off $10 coupon I received from JC Penney, Mirror Image suckered me into spending $6.35 on a slick pair of pants for her. (The local JC Penney is closing and they are practically giving the stuff away). The clothes shopping ban is still only applying to me, you see…

Then downhill we went.

Shortly after we arrived at church, Mirror Image grasped my arms with tears in her eyes and it was clear she was in distress. She shared that she was having horrible chest pains and off we went to Righttime (Urgent Care). I am happy to say she was feeling better later in the day after treatment and rest.

There was no Sunday spending – salon, pharmacy and fun outing were all nixed for the time being. So I was under budget for the weekend money but I am sure when I get the bill from Righttime, there will be a different accounting.

Monday will be GREAT in comparison, I am sure.

Thrifty Image Mirror

Weekend Money #7

Boy with Cash Dollars

Saturday, March 12 is museum day live!  A yearly opportunity, supported by the Smithsonian Institution, to visit some local museums for FREE!  Mirror Image and I will be going for an educational and cultural fix at the Historical Society – so I know what that means…

That means the weekend is here and it is time to plan the money!

I am going to pre-spend here on this post, then reconcile on Monday.  I plan for this to be another avenue of accountability and budgeting.  So here we go:

  • Church (tithes/offering) = $28
  • Gas = $0
  • Personal Care (haircut, mani/pedi, etc.) = $20
  • Groceries = $35
  • Dollar Tree = $0
  • General household shopping = $10
  • Vehicle Service/Repair = $0
  • Clothes Shopping = $0
  • Gifts = $25
  • Restaurant = $0
  • Zips Dry Cleaning = $0
  • Prescriptions = $35
  • Fun Outing = $10
  • Total = $143

 Church (tithes & offering) – Luke 6:38 – Give, and it shall be given unto you; good measure, pressed down, and shaken together, and running over, shall men give into your bosom. For with the same measure that ye mete withal it shall be measured to you again.

Gas – I noticed I was practically on empty when driving home from a neighbor’s wake last night and stopped to buy gas.  $1.81 per gallon!  Wow, gas prices goes up fast.  Well I filled up and paid almost $26.  But that won’t count against my weekend budget.

Personal Care – Visiting the salon for some minor maintenance this weekend.  I anticipate $24 including tip.

Groceries – This really should be a light expenditure this weekend. I already purchased my corned beef earlier this week because surprisingly, Giant had a better buy than Aldi. So I took advantage. The rest of the upcoming week should just be us eating a lot of vegetarian dishes as we persevere in our Meatless March Challenge.

Dollar Tree – Not this weekend.

Gifts – My uncle (by marriage) died this morning. I hope to give his daughter a small gift that she hopefully combine gifts from others to help manage expenses that come with saying a final good-bye.

Restaurant – We have no eating out plans.

General Household shopping – I need to get a couple of things from Rite Aid during the sale cycle that ends Saturday. Also, I received a $10 off $10 JCP coupon that I plan to use this weekend.  My goal is to have a $10 purchase exactly and therefore no out of pocket expense. Here’s hoping!

Prescriptions – Still need to get those…

Fun Outing – In addition to going to the museum, I think we will go to rockinjump and use that Groupon…$10 should cover the mandatory socks and perhaps a soda for Mirror Image.  I will take my water

I may try to finalize my taxes this weekend and possibly till the garden to get ready for Spring planting.  No money spending necessary there!

I will be back on Monday to tally up my successes (or fails).

Thrifty Image Mirror

Monday Money Review

Magnifying Glass - Results

What a lovely weekend! The kind to be treasured — just the right amount of relaxation and effort; healthy choices and indulgent snacks; togetherness and alone time.

Let’s see if the money tells the same store. So, here we go:

Before

  • Church (tithes/offering) = $328
  • Gas = $25
  • Personal Care (haircut, mani/pedi, etc.) = $0
  • Groceries = $5
  • Dollar Tree = $0
  • Vehicle Service/Repair = $0
  • Clothes Shopping = $0
  • Gifts = $0
  • Restaurant = $0
  • Zips Dry Cleaning = $0
  • Prescriptions = $35
  • Fun Outing = $10
  • Total = $403

After

  • Church (tithes/offering) = $328
    • Church (tithes/offering) = $328
  • Gas = $25
    • Gas = $24.10
  • Personal Care (haircut, mani/pedi, etc.) = $0
    • Personal Care (haircut, mani/pedi, etc.) = $0
  • Groceries = $5
    • Groceries = $5.77
  • Dollar Tree = $0
    • Dollar Tree = $19.11
  • Vehicle Service/Repair = $0
    • Vehicle Service/Repair = $0
  • Clothes Shopping = $0
    • Clothes Shopping = $0
  • Gifts = $0
    • Gifts = $0
  • Restaurant = $0
    • Restaurant = $0
  • Zips Dry Cleaning = $0
    • Zips Dry Cleaning = $0
  • Prescriptions = $35
    • Prescriptions = $0
  • Fun Outing = $10
    • Fun Outing = $8.80
  • Total = $88
    • Total = $385.78

Although gas prices went up .15 per gallon over last week, it was still a reasonable purchase with less than $25 out of pocket.

I went back to Aldi Friday after work to pick up some avocados and other vegetables in order to have a successful meat free weekend.

There is a new Dollar Tree somewhat in my area!  It changed over from a Deals to a DT and I was able to not only pick up desired snacks and cleaning supplies, but I was also able to use some coupons!

Mirror Image had a soda during intermission at the orchestra,our fun outing on Friday. It cost $2.00.  This combined with the $6.80 round trip train tickets brought out cultural outing in under $10!

The rest of our weekend consisted of laundry and dog hair management (yuck), exercising Thrifty Pooch, fun with homemade clay, homemade Spinach pizza, a murder mystery movie from the library and Walking Dead after Mirror Image went off to sleep.

I came in under budget because I neglected to pick up some prescriptions and I utterly failed at the Dollar Tree but came in under budget overall. Bye-bye weekend money!

Thrifty Image Mirror