Monthly Archives: April 2017

Saving and Homemaking 4/22

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Forsythia blooms

Spring has arrived where I live, and with it a renewed interest in tending to the outdoors and freshening up our home.

IMG_2193Planting

This week I planted some herbs in pots inside. I started with dill and basil.  We have a sunroom so hopefully I will have some very inexpensive herbs in the coming weeks.  I was inspired to try this because we have been planting seeds with the junior kindergarteners at school.

Saving

Our local grocery store has e-coupons, and every Friday they issue an e-coupon for a free item as well as some other loss leader deals requiring the e-coupon.  I have been too lazy to log in to their website since the school year started.  I tell myself I’m too busy or there’s not time for everything.  In truth it look about 4 minutes!  I think I will commit to checking their deals on Fridays… this week was a free box of Annie’s Mac and Cheese which is appreciated.

Watching

This week I watched ‘The Ultimate Guide to Penny Pinching” while I was on the treadmill.  This documentary was filmed in England, so it amused me to see the grocery scene in the UK.  If you are a fan of saving money at the supermarket, you might enjoy it.  My favorite couple interviewed were putting on a wedding with a very tight budget.

Cleaning

This week I worked in the sunroom, since I was already there staring into my pots waiting for my herbs to sprout.  I gave the houseplants a deep soaking outside, moved the couch to vacuum under it, got cobwebs out of the corners, and went through the always accumulating mail.

Reading

Every moment I get I am sneaking a few chapters of the excellent middle grade book “The War that Saved my Life” by Kimberly Brubaker Bradley.  The topic is the children evacuated from London to the countryside at the beginning of WWII.  This Newbery Honor book is for anyone 4th gr and up.

Cooking

“Using up” is the theme for this weekend.  Finishing off ham in the freezer with ham and eggs after church.  The evening I am grilling some odds and ends from the freezer and making potato salad from scratch because I have celery, onion and mini red potatoes.  Our local food co-op had organic pastured beef on sale so I made up some taco meat for the freezer.  Tonight I will sit down and think up a meal plan for the week.

How was your week?  Any savings surprises or spring cleaning?

Close Call on Debt Free Anniversary

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Love those cute readers

Well, it seemed like a definite possibility that I was going to lose my job today on the ol’ debt-free anniversary.  Sobering!

Yesterday I got an email inviting the 4 people in the the school district that have my position to a meeting with the HR director and Finance director.  Never good.  Especially a meeting with no agenda.  We suspected there was a 70% chance they would reduce the hours (again) and 30% chance I would be gone altogether in the next school year.

It turned out that they are going to reclassify the position which will take away vacation pay and some of the holiday pay.  I can live with that.  I am relieved because I love my library job and the kids.  My husband is relieved because he is really eyeing up retirement at 57, and a comparable job would be hard to find for me in the current education climate.  I am not ready to give up summers off because of DD’s age.

So, debt-free day will close with massive gratitude and relief.  Underlying these feelings is motivation to “make hay while the sun shines” and keep saving for both a UK vacation and retirement to make my husband’s early retirement a reality (he has over 10 years to go).

Have you had an employment wake-up call like this?  In education it’s become dicey every single year.

 

 

 

Debt Free Anniversary

Pink Roses

Stopping to smell the roses….

We were relaxing on the couch last night and I remembered that this Thursday is our debt-free anniversary.  My husband and I had to think back to how many years have elapsed since we paid off our house.  Six!  Every year I have to count back to figure it out.  DD was in kindergarten when we sent that last check off to Wells Fargo, and now she is in middle school.

It takes hard work to pay off your house and credit cards, but it is just as big of a challenge to stay out of debt afterwards because there is no “end” goal to count down to.  It’s just — stay out of debt and keep staying out of debt.

Over the past 6 years we managed to re-side our house, buy a new car, and added  a bathroom to the basement without going into debt.  To accomplish these required a lot of saving and budget meetings week in and week out.  It’s possible to pay cash for these expenses though when you aren’t making payments.  Our next major expense is hopefully a trip to the UK in 2017.  To accomplish this… saving, budget meetings every Saturday night, and using my part-time employment to put towards the vacation budget line.

If you are currently in the debt payoff process, keep at it with that gazelle-like intensity.  Efforts like clipping coupons and having no spend days are fine, but none of these things can rival the amount of money you save when you aren’t paying interest on car, home, college and credit cards.

Thursday we will probably celebrate by getting take-out dinner of some sort, and perhaps a family activity this weekend like going for ice cream. . .  or Chik Fil A 🙂

 

 

April Goals

Inspired by Laura Beth over at Hot Shot Headlines, I felt a post about monthly goals brewing.

dfbb2bab2fe032d4f537560224c6ffabBoost plant based vegetarian meals

DH and I used to be vegetarians, and I had a vegetarian pregnancy as well.  Somewhere in the sleepless days of having a toddler (10 years ago!) we went back to a more animal-based diet.  I have just finished reading “The End of Heart Disease” by Dr Joel Fuhrman and I am feeling convicted about increasing the amount of plant based, whole  foods meals.

Professional Reading

This month I am reading the acclaimed book for young adults “The Hate U Give” by Angie Thomas and I would like to get to “Merlin” by TA Barron which is the selection for the Andrew Luck (“the librarian of the NFL”) Book Club.

Fitness/Health

Lose 2 pounds and crank up steps on Fitbit to 11,000 on Sat and Sun.  I do better during the work week when I am shelving books all day.

Family

Set aside a date to celebrate our debt-free anniversary later this month.  Begin hatching a plan to celebrate DHs birthday.  DD and I would like to take him on a surprise day to celebrate his awesomeness.

Financial

Day to day finances are in good shape.  Begin costing out expense to go to York, England, next year.  International travel is scary expensive for a family not willing to go into debt to travel.

How is your April looking?