Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

What I HATE About Aldi

>> Wednesday, January 23, 2019

I've gone on and on and on about how much I love Aldi. The store has helped to cut our grocery budget overall pretty dramatically. I can still tell a big difference when I decide to shop at Wegmans due to convenience or laziness. But I'm having some new thoughts on the topic I thought were worth sharing. I still love Aldi, but there's one aspect of shopping there that I have grown to hate. It has to do with my own self control BUT Aldi is enabling my behavior!



When I first started shopping at the store, I mostly skipped over the freezer section. I even ignored many packaged foods because they only looked OK. None of it was hugely attractive to me. Slowly a few more prepared items and packaged foods trickled in that were organic and really good looking. And in the last year (or a little longer), the freezer and refrigerated section (CHEESE!) has expanded. The snacked have seen a boost, too. There are now a multitude of interesting vegetarian and vegan options, as well as some more general foods that -- to me -- are just too tasty to pass up.

This, on the whole, is an excellent thing.

BUT: I was never much of a packaged foods shopper. In fact, I used to make much of our food from scratch. Slowly (and because of better affordability compared to other stores), I've put things in my cart. A bag of veggie chips here, a box of root vegetable hash browns there, some interesting sauces, mac-and-cheese thin crust pizzas . . . and then I'd notice "limited time" buys that I just HAD TO HAVE BEFORE THEY WENT AWAY FOR GOOD.

So, I'd stock up.

I also joined some Aldi Facebook groups. There's a cult-like following on there, right? Every time there's a new or exciting product, someone would post about it. Others would quickly chime in about how AMAZING it was. And I'd find myself with tons of new things on my shopping list.

After a while, my stand-up freezer was full. My pantry is teeming with packaged items. I'd stopped making my own hummus. I started buying things I never used to buy in packages (granola bars) because I got so out of the habit of cooking and baking from scratch. And my grocery bill wasn't hugely increased. I mean, it went up -- but because I wasn't making anything on my own, I wasn't buying raw ingredients much.

What was happening? Well, our trash and recycling output has gone up quite a bit. (I'm not zero waste, but I don't like this much waste.) We're not eating as many fruits and veggies as I'd like. My kids are preferring packaged foods to whole foods. I've gained some weight. I increased our weekly grocery budget $25 a week (adds up).

The list goes on . . .

YES. Some convenience foods are a necessary evil for that stage of life I'm in. (I know some people would argue not.) I don't have glorious hours upon hours to spend in the kitchen toiling over homemade crackers. At the same time, my family should really be eating more whole foods. I'll admit that it's a heck of a lot easier to just tell my kids to grab something themselves than to cut veggies and serve it to them.

So, what I hate about Aldi is that I once saved money due to the store being so almost painfully streamlined. I'm now falling into the traps I fell into at other grocery stores because of all the temptations. I am absolutely thrilled that Aldi has so many wonderful and affordable options, especially for vegetarians and vegans, but I now find myself with some work ahead of me to get in better balance.

This all said, I will share some of my favorite foods that I have found with you soon on Instagram. I'm not going to stop buying all the things entirely. But instead of having everything every week, I may treat these items more as treats or weekend special foods. We'll see. 


More Aldi:


Aldi Foods for Picky Toddlers and Kids
$93 Aldi Weekly Grocery Haul
$400 Monthly Food Budget (I want to get back to this!)
18 Vegetarian Grocery Staples at Aldi

Read more...

Aldi Haul + Budget + Meal Plan

>> Tuesday, January 30, 2018

Do you guys like these Aldi posts? Back when I started writing them, Aldi wasn't as much a thing as it is now. I feel like whenever I'm there, it's so crowded lately. It's a good and bad thing. I love sharing the good news . . . yet, I want it all to myself.

Here's this week's haul:


Closer up:


DETAILS



So, the total was $93.67.

AVOCADOS WERE .49 CENTS EACH!!!

Some of this includes sugar bought specifically for Stephen's kombucha making. He splits these costs three ways with some friends. Basically, Stephen makes the kombucha and they drink it at work all month. I can get into that whole thing in another post.

EXTRAS


I also bought some things specifically for the Super Bowl:


Overall, I stuck to my list and only got a couple extras. I still need to pick up bananas, Earth Balance, tofu, and maybe a couple other produce items, like ginger, at Wegmans. I wrote last week about re-doing our grocery budget. I have landed on $125/week for the time being. With cooking everything at home and still trying to keep it interesting, I feel this number should work, but I'll report back.


MEAL PLAN


Last but not least, here's our meal plan for dinners this week:


  1. Monday: Mac + Cheese with veggies (kids) // Veggie burgers + onion rings (parents)
  2. Tuesday: Slow cooker chili + garlic knots
  3. Wednesday: Spaghetti and faux "meat" balls with veggies
  4. Thursday: Breakfast for dinner -- eggs, toast, veggies, etc.
  5. Friday: Homemade pizza night
  6. Saturday: Veggie-loaded quesadillas (kids) // Slow cooker Indian + paneer + naan (parents)
  7. Sunday: Slow cooker bean + mushroom stew + biscuits + Super Bowl snacks

Read more...

That Time I Spent $172 at Aldi

>> Wednesday, January 24, 2018

I used to boast that I could fill up a whole cart at Aldi and still come in well under $100. Well, I decided not to shop with a list a couple weeks ago. (That's grocery budget 101 stuff, Ashley!) And when I got to the front of the store and started tossing everything onto the belt, I realized I'd made a major mistake. It was one of those weeks when Aldi had, like, so many cool things that were those limited time buys. So, I got sucked in and stocked up.

And then: $172! Ahhhhhh! I was hoping for more like $100.

Here's what I bought:



I haven't gone over what our weekly food budget is in a while. It's been anywhere between $75 and $125 a week in recent years. As we examine our debt and budget options, we're still trying to figure out a number that would work well for us monthly. It needs to accommodate not eating out, school lunch stuff, and special things for our tiny toddler (because she NEEDS to eat, so sometimes I NEED to get her special stuff).

We've experimented with shopping once a month and had good success . . . so I realize that spending a ton at one time isn't always a reason to freak out. But this time was a mistake. A wakeup to get meal planning again. I do actually meal plan each week, but it's been very rough lately.

Anyway, this story had a happy ending. I was able to get groceries for like $65 this week, making the total $240 for the two weeks -- or -- $120/week. I think this sounds like a realistic grocery budget for us. I may bump it to $125 -- or -- $541 a month. Of course, the pay-off-our-loans girl in me says maybe we can shave it down to $500 a month.

But I need it to be realistic and leave some room for wiggle. We try our best to eat a variety of fresh fruits, vegetables, whole grains, etc. And without eating out, we like to cook a couple "fun" meals each week so we don't feel too deprived.

What I've found in my years of writing about our food budget is that grocery costs vary WILDLY across the country (and world). So, these figures may sound either astronomical to you or like "how can you even feed your family" on that amount. I get that. So, no judgement. I'm just sharing our struggles and triumphs with this stuff.

Whatever the case, I'm glad we're back into the rhythm of buying most everything at Aldi. There are still a few items we cannot get there. Tofu comes to mind. But resisting Wegmans has already lowered our food costs by quite a bit.

Do you have a grocery budget or just buy whatever? How do you figure out how much to spend? Do you end up revisiting the budget often -- like we seem to do?

Read more...

6 Foods That Make My Life Easier

>> Sunday, December 17, 2017

I still love Aldi, but there are several foods that I've had to shop elsewhere for recently. Eloise has been a picky eater since, well, forever. But it was especially bad in the last four months. She would literally not eat anything. In retrospect, I do think a lot of it has to do with the fact that she has 16 teeth when many of her peers have far fewer. Poor girl has probably been in pain for a long while.

That said, I have slowly found some things she loves to eat. As much as I'd like to say they're all whole foods, I have also had to rely on a few "products" if you will. But I'll get to those in a minute. Let's just jump in . . . and I'd love to hear your make-life-easier food suggestions.

I've included Amazon links so you can check out more reviews, ingredients, and just more general info. Always price-compare, as I've found that grocery of Amazon can either be good deals or AWFUL.



JUST. Mayo


There are a variety of flavors of this mayo. Stephen and I are addicted to chipotle mayos of various brands. The just. chipotle mayo is consistently the least expensive and gets high marks on taste. It's also vegan -- at least I know that several varieties of it are. Another favorite is the sriracha. We put it on veggie burgers, use it as dip for fries, and as a spread for sandwiches.


Don Pepino Pizza Sauce


Our family absolutely loves Don Pepino's pizza sauce. Stephen it biased, since it's made in NJ. It's slightly more expensive than some store brand sauces I buy, but the texture and flavor make it worth it in my opinion (especially since homemade pizza costs so much less than takeout). I know I included the Amazon link, but I highly recommend checking your bulk stores for this brand as well. I once found GIGANTIC tins of it at Sam's that I then divided into smaller portions and froze.


Mueslix, etc.


I don't necessarily endorse this brand of muesli over another (there are SO MANY). I'm just addicted to the stuff. I have a thing for cereal and I feel like this is healthier than other varieties I enjoy. I used to make my own muesli, but these days I haven't made time for it. Hoping to get back into that mode at the start of the new year, though.


Stonyfield Whole Milk Yogurt


Here's one of those foods that Eloise will eat without fail almost every day. So, we have had this issue where she doesn't want to drink milk since her first birthday. Not that she necessarily HAS to drink milk, but I think it's a good source of calcium and protein in a vegetarian diet. Anyway, we're working on the drinking milk thing. In the meantime, she's been eating this yogurt and having cheese sticks. I've made my own yogurt in the past (and love it!), but she digs this flavor.


Kodiak Cakes


And this is often Eloise's lunch. I know, I know. I mean, it's protein waffles. Sort of strange to push on a toddler. But she likes muffin texture, and I like that Kodiak Cakes has added protein and it's fast. It also comes in fun flavors -- of which we like chocolate and peanut butter best. Have you guys tried this stuff? I want to get plain buttermilk next.


Bob's Red Mill Soup Mixes

These dry soup mixes have been A LIFESAVER and have massively improved our slow cooking dinners. We got into a soup and chili rut, so I decided to branch out one day and buy a few different varieties. Anyway, this one is my favorite. The prices on these guys on Amazon aren't good, so I include the link only for reference, ingredients, and such.

You must try this recipe on the back of the bag, by the way.


And if you DO plan to try it, I recommend adding a can of coconut milk in place of two cups of water and added a heaping tablespoon of miso to the mix. I like adding the gourmet mix of mushrooms I get at Wegmans and plenty of fresh ginger.

Related:


Expanding Our Homemade Pantry
Homemade Almond Milk
Our Go-To Pizza Dough
Homemade Ciabatta Bread
Homemade Muesli
Adventures in Cereal-Making
Homemade Bagels
White + Whole Wheat No Knead Loaf
Three Seed Crackers
Homemade Flax Crackers
Homemade Pancake/Waffle Mix
Awesome Couscous Crackers
My Favorite Hummus
Stephen’s Homemade Pickles
Homemade Applesauce
Red Curry Kimchi

Read more...

Frugal Accomplishments

>> Tuesday, December 12, 2017

I popped into Walmart this weekend because I needed sugar and was traveling in that part of town. I had a couple last-minute things on my Christmas list too, so I had to trek over to the toy section. I was absolutely flabbergasted with the number of people trolling the aisles. They were basically ripping toys away from one another in the quest of getting their shopping done. I mean, I get it. We all want to be done shopping, but being rude to a stranger about a plastic doll isn't going to magically make it all better. But that's not really the point.


In this time of excess, I'm trying to keep a level head. We're still dealing with a good deal of debt and always striving to be more frugal than not. So, here's some of the things I've done lately to stay in the green, so to speak.


IMG_8289


// Thrifted Decorations, etc.

One of the best places you can find holiday decor is at the thrift shop. Sometimes you'll luck out and find stuff that's brand new. I got a tree topper for a dollar and a package or ornaments for a couple bucks. I also found some cute beaded Santa boxes to use as wrapping/gifts. Ninety nine cents each. A steal, right?

I didn't need too much, but I found nativity scenes, outdoor decorations, garlands, faux trees, and more. It's definitely worth a look if you want to add a bit more cheer on a dime.

// Thrifting Running Apparel

Speaking of thrifting, I've been looking for a decent running coat to add to my collection. I have a bunch of old ones that don't fit well anymore. I was able to find a nice, basic fleece Columbia number for $4.99 that also happened to be 70 percent off. No holes, rips, stains, or other defects. The only catch is it's a weird shade of green. I run mostly in the evening, so that doesn't matter!

I decided to take a look around and found a new Nike running top (short sleeve -- so for treadmill time) for just $3.99. I also snagged a nice pair of yoga pants for a few bucks. Now my athletic clothing is refreshed! I wish my motivation would do the same . . . 

// Lice Spray

Last year there was this little girl in Ada's class who ended up having lice the entire year. I decided to mix up a batch of homemade lice spray . . . and, guess what?! Ada didn't get lice once. I've made it part of our morning routine now, and I have to say it's working. Ada has my type of hair -- very fine and stands straight up with static. I had lice often as a kid despite being well groomed and taken care of. 

Anyway, I'd say a spray bottle of this stuff lasts several months. I just spritz it through her hair each morning before she goes to school. Bonus is that I swear is makes combing her hair easier.

Combine:
  • 10-15 drops lavender essential oil
  • 10-15 drops rosemary essential oil
  • 10-15 drops tea tree oil
  • 5 drops peppermint oil
  • Fill the rest with water
Combine everything in a small spray bottle. Mine is 4 ounces -- an old lavender room spray bottle. FYI: I use all Aura Cacia essential oils that I buy either on Amazon or at Wegmans. I've used them since I was in college!

// DIY Table Runner

I wanted to mention this frugal thing I did at Thanksgiving. We don't have tons of fancy linens and such to use when we celebrate holidays. I wanted to dress up the table a bit, but also make it fun for the kids. So, I rolled a bit of paper lengthwise across the table and gave Ada a bunch of markers and crayons. She drew pictures, wrote little sayings, and it kept her occupied while we cooked. I plan to do the same thing for Christmas. 

You can use any paper (see my photo, above), but we happened to have a roll of Melissa + Doug easel paper on hand. It was perfect!

// TTC Tricks

Oh, gosh. If you've ever been deep in TTC (which I'm not yet this time around -- just saying from experience) and spent literally #allthemoney buying pregnancy tests, ovulation strips, supplements, and other stuff -- save yourself. Since I take progesterone, I have to pinpoint my ovulation day, which means either taking my basal body temperature or using ovulation strips. I choose to do both, as my temperatures are quire erratic (thanks to waking up often at night -- my own doing, Eloise sleeps great).

Anyway, I finally bought one of those sets with 50 LH strips and 20 pregnancy tests for just $20. I used to spend that much just buying a couple pregnancy tests. It seems like a silly thing, but I know many of you are trying to conceive, and month after month . . . it gets expensive. Do yourself a favor. The LH strips work really well for me -- I get clear positives (line darker than control) and the pregnancy tests are apparently as sensitive as First Response. I personally got a positive on one last time around when my HCG was like 12 coming down from my D&C.

I love sharing frugal accomplishments. What are some of your most recent wins?

Till next time! 

Read more...

Catching Up

>> Monday, November 6, 2017

What’s happening, friends? I realize it’s been a while since I updated you guys on what’s going on in our lives. So, today’s post will be pretty informal and a way of catching up.  I’m hoping to get back into a more regular blogging rhythm again (2-3 times a week) now that cross country season is nearly over. Anyway, here are some questions I’ve received over the last month and some other general updates.

Life’s been a blur (much like this photo), but things are good.


// Finances


By far, the most requested info revolves around our budget and paying off debt plan. I wish I had better progress to report. Unfortunately, between a new water heater and 4-digit furnace repair, we haven’t had a lot of room to move around funds and aggressively go after our bills. We are keeping up with all our normal payments and will contribute more when we can.

It does feel good to have steady paychecks coming in again. Stephen decided to get his salary distributed over the course of the whole year this year versus the 10-months we had done previously. This will hopefully help as we budget so the summer doesn’t shock us so much.

I am still chugging away with freelance work, but I haven’t returned to pre-Eloise levels. I write between 8-10 articles a month right now. I’m hoping to get back to doing 12. When Ada was in preschool and I was home alone a few hours a day, I was doing more like 24 a month and blogging. The main issue is time. I’ve always relied on early mornings and naps to work -- but with two kids, that time isn’t often there like it used to be.

I think WAHM stuff is material for another post!


// Eloise


Our littlest member of the family is nearly 17 months old! Crazy. She runs all over the house, climbs everything in her path, and is putting short sentences together. Her favorite is “I did this”. She likes Curious George and Daniel Tiger, but doesn’t sit still to watch TV more than two minutes, much to my dismay (Ada was a little zombie).

In the last month, we’ve started regularly going to several toddler activities, including a weekly toddler rock concert, library group, discovery center (I have some photos/videos on my Instagram stories today), and I’d like to start going to a mommy + me gymnastics class when she turns 18 months old.

Our biggest struggle has continued to be food. I plan to write more about this. But to other mamas out there -- it’s not your fault if your kids don’t eat. Ada was a relatively good eater. I’ve taken the same approach of variety and such with Eloise, and she simply doesn’t eat. I’m going to be checking with her doctor about getting her levels checked again for iron deficiency (they were fine at the 1-year appointment, but it’s worth a look). She’s still a petite little thing, but she is fine with all her milestones and seems healthy and happy otherwise.


// Ada


Sweet Ada will turn six next week. Please make it stop. I am continually grateful that we were able to delay kindergarden through our district and start her this year. Last year’s early K was such an amazing opportunity for her to be in school at a slower pace. She’s doing extremely well with academics and friends and loves school.

Ada’s still in gymnastics and this year we also signed her up for a choir that meets once a week. Being a mom of a school-aged kid is certainly different. It can be overwhelming at times and there are always new issues we confront or curiosities Ada has. It’s hard to get into in brief. But I think we’re doing a great job so far.

We’re having a birthday party for Ada this coming weekend. It’s cat-themed, much like her first birthday. She has so many friends and always wants to be hanging out. Completely different from my personality! I love seeing the person she’s turning into outside of me and our home. It’s a special time, that’s for sure. Ada’s also an amazing big sister and really watches out for Eloise. I’ve enjoyed watching their relationship develop as Eloise has transformed from motionless blob to active toddler.

// TTC


I mentioned on Instagram that we tried for number three last month. It didn’t work out, and we’re not sure when we’ll try again or if we will. Basically, last month would have been good timing, so we went for it. But then due dates get into XC season for several months, which is something I’d like to avoid (but I don’t take fertility for granted, so who knows). Trying brought back a lot of emotions and thoughts that I hadn’t expected. While this was just the first month (and -- please don’t think I’m freaking out about not getting pregnant right away. I TOTALLY didn’t expect to!), I felt the weight of our previous infertility issues and multiple losses.

I don’t know how much more I’ll share about this journey, but I just wanted to put it out there. I wish TTC wasn’t this huge thing. That I could approach it without such thought or simply not think about it. I was at a children’s museum this morning and a group of friends all seemed to be pregnant with their third child and each had two kids that were very close in age as well. I heard them all talking about having their kids a year apart, 15 months apart, two years apart. It wasn’t their fault at all, but I felt isolated hearing them all chat about the relative ease of having kids back-to-back.

It also made me feel like maybe we aren’t ready to take the plunge. Their kids were running all over the place in different directions . . . and it looked e.x.h.a.u.s.t.i.n.g -- LOL. I mean, there’s a reason we waited until Ada was 2.5 to start trying for a second. There are definite advantages of Ada being in school and being home with Eloise alone most of the time. Interestingly enough, I get mistaken for a first-time mom a lot of the time.

// Life


Anyway, life is good. There’s probably a ton I’ve left out. I am trying to take more photos with my DSLR lately. I used to do photography for friends and friends of friends, but I doubt I’d do it again. Still, my skills have atrophied quite a bit, so I’d love to be a good self-taught family photo-taker.

On that note:


Thanks for reading!

I am hoping to get two more posts up this week. One is our winter bucket list and the other is my holiday gift ideas for kids. I have some creative ideas for small budgets this year. Our furnace repairs really dug into any money we had for gifts. Ah, life just costs money at every turn. We are still blessed with so many other things, though. Perspective is key.

Read more...

Why We’re So Bad at Saving Money, etc.

>> Wednesday, September 27, 2017

I’ve been mulling over a lot since I last wrote about our budget and desire to get out of debt. At the time when I wrote, Stephen was still home for summer break, and I was basically milling my own grain to bake homemade bread daily, cooking up fresh batches of yogurt + cheese, and generally being a model homesteading mother. I love this stuff. It’s the stuff of my life that brings me a lot of happiness. As the pace of life has picked up (here's our day in the life) with the start of school and coaching season, however, I have had a lightbulb moment.

It won’t shock any of you. But I’ve realized WHY we are so horrible at saving money even when we have the best of intentions. When life is slow and time is, well, plentiful, we have lots of energy to expend. Energy equals dollars, quite honestly. When I have lots of energy, I’m able to keep my house clean, I’m able to cook homemade meals, I’m able to mix together all my own household cleaners. When I have more energy and time, I am able to think of more ways to save money.

Heck, I’m able to think, period.


When energy and time are taken out of the equations, that’s when convenience enters. Again, this isn’t mind-blowing by any means, but when you’re just surviving everyday life . . . it can be hard to pinpoint why exactly, say, you’re driving to get a bagel and coffee (and you don’t even like coffee) in a haze and then somehow also want to fork over $20 or more for takeout on a Wednesday evening. And then your mind is made up that you may never cook again.

Convenience has both good and bad connotations, doesn’t it? 

It means easy-breezy and comfortable. 

It also means waste (packaging, money, etc.) and laziness. 

What am I talking about? Well, packaged foods and beverages come to mind. Takeout and heat-up meals are another offender. Then there’s stuff like paper towels, which we actually have successfully broken the habit of using. Then there’s this grey area of just buying things -- no matter what they are -- in the moment because they’ll help you in some way. Perhaps this is my own emotional purchasing, but like buying a small toy because my kid won’t stop screaming due to teething, and I think it will help.

Where am I going with this?

OK. So, all this stuff costs money. Time equals energy to do things like making laundry detergent, baking bread, and generally being less wasteful. When I don’t have time, I spend lots of money for both practical and emotional reasons. And then it’s this vicious cycle that’s difficult if not impossible to break. Even harder because our society seems set up to drive us into consumerism by default.


So, how to combat this issue?

One thing would be to somehow get more time. Are you snickering? I am. I think all of us would love to find the magic that would provide this luxury. Getting up earlier has certainly given me more time, but I’m using that time for work and exercise right now. Alright, then there’s having more money. LOL again. How about getting more energy somehow? I know a lot of people drink coffee. I go in phases with the stuff. I’ve mentioned it before, but it actually gives me a headache, so I’ve tried tea . . . but it doesn’t give me much of a boost. I also don’t want to be dependent on some substance all the time.

In the absence of more time, money, and energy, I think all that’s left to do is to resist the urge to give in to all conveniences. Some, sure. But I think it’s a slippery slope once you get going. Or at least once I get going, it seems like one convenience leads to another. Resist is such a heavy word. It sounds difficult and laborious. And that’s exactly what it is. Beyond resisting, I suppose it's finding balance and also finding faster ways to do the things that will make all that homemade stuff more convenient.

I had written up a series a while back, Green in 15. I suppose I need to take a lesson from myself. As an aside, I’m sure you’ve realized by now that bloggers are no more expert at anything than you are. We just like to talk and take photos of things we often do for the first time and find groundbreaking. To be fair, there are plenty of things I’ve shared in this space that I’ve honed for years and years. But there are definitely a few I’m guilty of jumping the gun on sharing.

Back to my original thoughts:

A.) I can’t do it all. I need to give myself grace if I give in to things that make my life easier. Even if that means temporarily creating more waste and spending more money.

B.) Not everything has to take such a long time. Maybe there are even some smart hacks I could try on my old methods to make my favorite DIY stuff.

C.) I can look at one thing at a time. Maybe some weeks, I just need a clear goal. Like cooking all our meals at home could be first. It doesn’t have to be difficult. I could get back into batch cooking or freezer meals. After that, I could nudge myself out of the freezer aisle and stop buying more prepared foods at insane markups. The next week, I could try out a dry laundry soap recipe that takes less time than the one I mix together by boiling. Etc.

How do you deal with this situation in your everyday life? Have you triumphed over the time/energy trappings? I’ll be sure to report back on my progress. 

Read more...

6 Debt Lessons from Readers // Debt Free

>> Wednesday, September 6, 2017

I wanted to take today to thank all of you for your advice on our money situation. So many readers have either commented on the blog or Instagram, or sent me private messages about what they did to start their own debt-free journey. It’s helpful for a few reasons. First, it makes us feel much less alone. I don’t know why, but we sometimes assume we’re the only people dealing with money issues. We see people jetting off on expensive vacations, buying much fancier houses, sending their kids to snazzy private schools, living vacation fantasy lives, etc. and we assume we’re the only people in the red.

But you know what they say about when you ass--u--me things.

In the end, it’s good to focus only on us because that’s what will get US out of debt. I think focusing on other people can only be harmful in some ways because -- despite how we’re pretty good at avoiding this trap -- there’s this whole peer pressure component to life, right? Keeping up with the Joneses, even if you aren’t in that game. It sort of filters into the subconscious. Of course my kid should have X, Y, and Z. Of course we deserve X, Y, and Z. But a lot of this stuff means living above means, etc.

As a silly example, Stephen and I are both feeling like we should not have immediately gone out and replaced our central air system last year. I know why we did -- we had just brought Eloise home, my hormones were saying YES WE NEED IT NOW, and we had grown accustomed to having it, like many other people have in our area. But if we’re being honest, we could have popped a few window units in the bedrooms and probably been fine. After all, that’s how I grew up. That would have cost a few hundred versus a few thousand . . . and we may have been able to borrow some from family or friends for a year or two while we surveyed the options.

I digress.


The second reason it helps to hear from you guys is because some of you have DONE it. You’ve gotten out of debt, gone through the trials, and come out the other side to tell the tale. Hearing success stories and the hard work it took to get there is inspiring. Anyway, I wanted to condense some of the best tips/advice we received into a nice 6-point list.

// 1: Do get creative 


One reader pointed out that her house went up in value significantly since she bought it. She considered selling and using the profits to pay off debt. This is interesting because it’s something we’ve considered doing as well. We love our home, but we often feel like we could be happy in a smaller, less expensive house. That said, our own property value has stayed relatively stagnant, so I don’t think we’d gain much this way. Regardless, I thought this example was interesting. If you’re really in debt, you can do creative things . . . and even turn your thinking upside down about life. This is one reason, for example, the tiny house movement is so popular.

Other readers warn that investments like houses may be good ones to hold onto, especially if getting rid of your home significantly affects your quality of life. It’s a hard balance to strike. And this is just one way of getting creative. We’ve experimented with becoming a one-car family in the past. It’s something I wish we could stick to, but our area isn’t exactly pedestrian friendly and Stephen is gone a lot of the time for coaching.

// 2: Do give up extras


This is one area where I feel like we cycle between good points and bad. When you’re paying off debt, just cut the fat already. Stop going out to eat. Stop buying random stuff to fill your house or that emotional void (emotional shopper here!). Do pitch everything you can toward debt -- even if that means using Christmas money, etc. for a while. This isn’t to say you can’t EVER enjoy the finer things in life. But I know myself, and I often give into the whole “I deserve this” because of some insignificant accomplishment or pure laziness. Make meals at home, seek out free entertainment, keep your eyes on the debt-free prize.

// 3: Do remember that “small sacrifices add up”


I suppose this extends on the last tip, but it’s a different way of looking at just denying yourself things. A reader shared on my Instagram that “small sacrifices add up” and I liked that train of thought. It’s more positive than STOP ENJOYING EVERYTHING. Even if you can piece together one additional payment through giving up your daily coffee habit, it’s worth it. Gather together those pennies where you have them to save.

// 4: Don’t deplete savings. 


One of the popular debt-free methods encourages people to completely pay all money to the debt monster. But many of you shared that keeping zero or even just $1,000 in the bank for emergencies seemed like too little, especially with a family or house, etc. I agree.

How much should you keep? It’s personal and depends on where you live, your life situation, etc. Some say to keep $3,500. Others like to have a $5,000 safety net. We personally have about three months of our living expenses in our bank account. The reason for some much is because my income is variable. It’s tempting to shift this money around . . . but I feel like we’ve run into bad luck and needed these funds.

// 5: Do consider getting help


One reader mentioned that she and her husband see a financial advisor. I don’t know why this isn’t something we’ve considered in the past. But the advisor helped them figure out a game plan for attacking debt according to interest rate charges. Not only that, this advisor was also able to help the couple allocate funds toward their 401K and pay minimums on debt . . . but through some financial magic earn more interest on the 401K than was being charged on the debt, if I’m explaining that correctly.

// 6: Don’t get discouraged


This might be my favorite piece of advice. Don’t get discouraged if progress is slow. You may not be able to pay off massive amounts quickly. I feel like we’ve all seen the stories of paying off $100K in like six months. For many most people, this just isn’t feasible. Heck, we don’t quite make that much money . . . in a year. So not amount of scrimping or saving would give us that type of wild success.

Another reader explained that debt ebbs and flows throughout different stages of life. Don’t look at all setbacks as failures. I think that’s a good point to end this post on. If you have more to share, I’d love to hear you thoughts in the comments! I would like to add more of the tips into a part II post -- the next one will be some more specific things people shared about their debt-free adventures.

Happy Wednesday!

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Debt Confessional // Our Progress (or Lack Thereof)

>> Saturday, September 2, 2017

Remember when I told you guys how we’re carrying $34K (not including our house) in debt? Yeah. Not much has changed since I last wrote. We did go full steam paying all extra money we had toward this number for a few months. Then we fell off the wagon. We had to buy a new washer and dryer. Our car needed new tires. You know, stuff happens. So, while I don’t have the exact number . . . we haven’t made a ton of progress in this department.

As you remember, without aggressively paying down the debt (paying only minimums), we’d be paying bills for the next 78 months or -- gasp -- 6.5 years. If we allocated all my freelance income plus the minimums, we had the potential to be debt free in just 15 months. Fifteen glorious months that would we would have already been six months into paying.

Nope.


Here’s the problem -- that plan was too aggressive for us. My freelance income isn’t always steady. Emergencies come up. And -- yes -- weakness does set in even if you have the best of plans. I think the new debt plan will have to be a mix of pay more when we can, pay less when we’re dealing with other financial stuff. (Like summers! How did I not plan for summers with no paychecks?! Fail.).

I’m interested in those of you who have followed the snowball debt repayment -- did you really deplete all the money in your bank account to pay off your debt? I see this being a good or potentially bad thing. On one hand, with most of the debt, you’re paying interest rates. Some high, some low -- but that’s added money you don’t HAVE to pay if you get your act together. Depleting savings makes sense in this scenario.

At the same time, then things come up like needing new tires or a hot water heater, etc. (ugh, yes -- my birthday present -- and then some -- this year was a hot water heater). If you have nothing in the bank, what do you do?


Ultimately, we need to figure this whole thing out sooner rather than later. We’re wasting money on interest . . . we’re feeling the weight . . . we want OUT. I get so inspired by the stories I read of people who have come out of debt, but many times I feel like they are about credit card debt. For us, the student loans have really limited our available funds for other things. Then car payments (stupid, STUPID cars, right?!) Credit cards weren’t much of an issue.

I suppose I could look into a blended approach between the debt snowball and debt avalanche. There are really so many approaches.

To recap today, here’s what went wrong:

We made too aggressive a plan that didn’t leave room for any error. As a result, instead of sticking even remotely close to it, we got overwhelmed and almost rebelled at the whole idea. Thinking, “this is ridiculous -- we can’t even BEGIN to follow this plan.”

Area for improvement: 

Get over it and keep moving forward. We may try to do HALF of my original plan. Use half my freelance income and go after our car loan first. From there, we’ll get ONE of our debts totally paid off, feel accomplished, and then be able to pitch that money toward the next debt.

I’ll be back soon with some notes on how we’re hoping to cut our budget further in the fall. These will be specific, seasonal tips . . . and I’m excited to share them with you. I’d love to hear what things you’re doing recently to save money. We joined Sam’s Club a couple weeks ago, so I have a lot of good, bad, and ugly to write about that.

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Smart + Thrifty Tips for Buying Second-Hand Clothing

>> Monday, August 14, 2017

So many of you have messaged me privately about my second-hand shopping escapades. It’s really one of my biggest hobbies. There’s definitely a method to my madness. One of my favorite bloggers -- Jessica over at What I Wore -- recently shared her own tips for shopping thrift, garage sales, etc. You should definitely check those out.

Here’s how I approach things, at least when it comes to clothing. I have a host of other tips for household and other items.


Make the rounds


A lot of people tell me they aren’t able to find good stuff at their local shops. And for some of you, that may be an ongoing issue, I understand. But for others -- don’t give up with just one visit! Consider that these places get new stock from time to time. How often will certainly depend on the shop, so it’s a good idea to ask the sales associates how often new stuff comes in.

I find that if I try to hit up all my local places in a rotation about every two weeks, I am able to see a wealth of goodies. Of course, I still see that crazy cat embroidered vest at Good Will even a month down the line, but many other awesome things have filtered into the aisles as well.

I also have discovered that where you go matters. We live in a large-ish area with many different pockets of age brackets, income levels, etc. While I have found good things at most stores . . . I tend to more heavily hit certain areas where I find the demographic more closely matches my own. Well, and also where middle-aged women who like FLAX clothing live.

Know your style


I know what I’m looking for. Usually natural fibers. Linen, mostly. FLAX the brand specifically (here are my 5 favorite FLAX outfits for summer). If you have a tried-and-true brand or fabric or cut or item you like, look for it specifically and try to forget the rest. In my own experience, I have picked up things that I would have never purchased simply because I thought it looked kinda sorta neat. Then? I never put it on because, well, it’s just not my style.

You may find it helpful to write down a list of things you like. Or things you need. But try to avoid getting random stuff that appeals to you based on price alone. I went through this period of time when I thought maybe I’d like to wear corduroy jumpers simply because I was finding a lot of them and they were cheap. Nope.

Oh, and while you’re at it, don’t hoard things just because they are what you’re “looking” for. Again, I LOVE FLAX . . . but I don’t need a lime green FLAX vest or something that doesn’t match my style.


Know your size


I really, really don’t recommend trying on thrift store clothing. Even while shopping at a “nice” store, I contracted scabies when I was in my early twenties. It’s helpful to know your size in different brands or simply by looking at the item. You may even want to bring a measuring tape with you to help. I tend to wear things big or in a freer size, so usually I’m pretty good if something is a tad too big on me.

Instead of trying on, I tie my bag tightly after leaving the store and immediately throw it in the wash when I get home. I dry in the dryer as well -- anything to help kill weird stuff that might be on there. I am usually just fine with sizing because I’m a ninja at this stuff. BUT I’m not immune to mistakes. So, that all said, if you do end up getting something home that just won’t work after washing, you may also try to re-sell it or donate it again if it only set you back a couple dollars.

Oh, and I would recommend checking all sizes. Some things are either in the wrong section (misplaced) or -- at least with vintage clothing -- sizes have changed over time. I wear anywhere between a 2 and 8 in different modern brands. With vintage, I can wear up to a 12!

Scan and keep moving


This goes with knowing what you want -- keep moving! If I stop too long to consider something, the chances are that I’m more convincing myself that it’s a good deal or whatever. If I see something that I immediately love, I grab it and move onto the next item. Oh, and if you’re curious . . . I seriously go item by item when I shop. Since I know that I mostly like linen, it’s pretty easy to scan for this fabric among all the other things in the store.

And any seasoned second-hand shopper will tell you to inspect your items well before purchasing. You will find stains, holes, tears, and other reasons why these things may have ended up in the shop. If it’s something you can fix, great. If not, put it back.

Or  . . .

Ask for deals


If I find anything wrong that I think I can fix, I ask for a discount. Some stores offer while others aren’t as willing. Don’t go overboard. But, for example, I found a linen dress once that looked like it had simply fallen on the ground and got some dirt/dust on it that would clearly come out in the wash. Still, I said “gee, I love this . . . but I sure hope this stain comes out . . . would you take off anything?” And they took off 20 percent with no issues.

If something has an issue I’m not as confident about resolving and they won’t take anything off, I walk away. Sometimes after saying never mind, they’ll take off more and other times, not. It’s all part of the game.

Remember -- you can (often) return


At the same time, check out your store’s return policies. If you do bring something home and don’t like it or find it has issues, you’ll want to return if you can. Some shops only offer in-store credit while others will give you your cash back. Some store do not offer any type of return policy. This is, again, where checking items carefully comes in to play. I’ve been burned a few times. I have mended a few things . . . but others were beyond help or my abilities.

Consider modification


There have been times I’ve found dresses or pants and I love the cut + fabric, etc. But not the color. You can actually change that, you know. RIT dye is extremely useful in these cases + easy to use. Jessica recently darkened the color of a cool pair of leather boots she found. And there’s a blogger called ReFashionista who buys second-hand clothing that some find hideous and transforms it into hip, ultra-wearable pieces through her sewing skills.

Look beyond what’s in front of you to see what it could be. But don’t go too crazy or elaborate. I find that quick fixes or changes work best for my skill set.


Don’t forget shoes


I shunned the shoe section at thrift shops for years because the idea of wearing other people’s shoes creeped me out. Here’s the thing . . . some of the shoes you will find are either like-new or entirely new. It always astounds me. For example, I found a like-new pair of FRYE boots (similar to these that go for HUNDREDS!) this weekend. I also found a brand new pair of Eileen Fisher espadrilles (just like these that are currently in stores for $135+).

Don’t forget to check the shoes. Period.

Mind the calendar


Most thrift shops in my area have sales throughout the year. This weekend the thrifty shopper up the road had 50 percent off everything for just one day. I think they do it twice a year. Ask your associates if there are any planned sales. Many stores also have tag sales where, say, purple tags are 30 percent off or blue are 50 percent off. This usually means that whatever the item is has been sitting on the shelves longer than other items.

Again: Inspect your loot carefully for damage . . . but otherwise celebrate finding a super deal!

Go alone, if you can


I try to shop thrift on my own. I find when I bring the kids that they get terribly bored. I am also much (MUCH!) faster without them. So, I try to join my thrifting trips with my grocery shopping, which I also try to do alone as much as possible. If I’m scanning and moving on, I find I can go through a whole store in like 15-20 minutes. That means I could hit up three in the span of an hour.

For me, this is great entertainment and exhilarating deal-finding, but I totally understand if this isn’t your idea of fun that you might want to spend your solo time doing other things . . . NOT. :)

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What are some of your tips for thrift shopping? I’d love to hear them!

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Frugal Accomplishments // 1

>> Monday, August 7, 2017

I’ve run into many accounts of “frugal accomplishments” by different bloggers. I always enjoy reading what other families are doing to save money and avoid consumption. And I thought I might like to start making my own lists on this space from time to time. I’ll try to keep them to just five bullet items. Maybe these things will help inspire you like they do for me. It’s always nice to get a nudge in the frugal direction, especially if you find yourself struggling.

There are always areas to improve upon, right?


#1: Added to our homemade pantry


We’ve been beefing up our homemade pantry with more goods we’ve made from CSA ingredients and otherwise. This weekend, Stephen and I both made a batch of jarred jalapeños and some pickled zucchini noodles. Both seem to be tasty so far, and they should last in the fridge for a good month (though we’ll surely eat them before this date!). For the brine, we followed the directions on this recipe. All the produce came from our CSA, though we should have a good showing of zucchinis in our backyard garden soon enough.

Along with these foods, I have started testing out recipes for a sandwich bread I hope to replace store-bought bread with. My first two attempts were tasty, but not quite the right texture. Stay tuned on that one. Stephen has also started up his yearly batch of pickles. He’s also brewing more kombucha. And while we’re at it and thinking of bread, I should probably try to get another sourdough starter going. I cannot seem to keep it alive long enough. Any tips on that?

#2: Started back-to-school shopping


I have made my rounds at the local thrift shops to start Ada’s school wardrobe for this fall. I cannot believe it’s almost time for classes to start back up! Anyway, I was lucky enough to find a lot (4) of Hanna Andersson dresses for $2.99 each in her size (well, the one that she’s currently growing into). I ask found a like-new pair of Hanna Andersson clogs for $8 at Once Upon a Child, where I had a 15% off coupon, making the total $6.80! Ada actually has quite a good number of clothes that stuff fit her well from last year, so we’ll resist buying new and go with what we have.

Side note: I really like Hanna Andersson because these clothes hold up very well. Ada has many more dresses in other sizes that should be in near-perfect condition for Eloise when she’s bigger. Gotta love being a girl-mom. Hand-me-downs!

#3: Scouted out a new thrift shop


Along with my school clothes shopping, I also found a new second-hand store that’s less than a mile from my house. It isn’t in the most desirable location, but everything in the store is $2 or less. I pawed my way through everything and was able to find a couple like-new Cat + Jack pieces for Ada’s school wardrobe. I also found a tank + cardigan set -- a SET -- of FLAX (here’s why I love FLAX) for $2! So, that means each piece was just $1. It’s my new favorite thrift spot based on price alone. Can’t beat it.

I’ll be adding this place to my regular rotation, though I don’t think it has as many treasures as my beloved Thrifty Shopper up the road.

#4: Visited the library


I always have the best intentions to check out materials from the library versus buying them on-demand. So, I set out in August with a new intention to think ahead and really use my library card versus ordering books for instant gratification. The library can be such a treasure trove for free entertainment, especially in the colder months. I have a hold on Ariel Levy’s memoir The Rules Do Not Apply. I also need to head back to examine some of the local calendars for different classes/groups that meet there.

I’ll be returning at the end of the month to sign up Eloise for the September story hour group that meets once a week.

#5: Found a new playground 


File this one under free entertainment. We spend a lot of time in our own backyard. But Eloise doesn’t have a lot of age-appropriate toys to ram around on now that’s she’s in full toddler mode. When I was out for my long run this week (8 miles -- yahoo!), I happened to do a lap around a nearby elementary school. To my pleasure, there was a small playground in the back for younger children with all sorts of toddler toys scattered about. We headed there last night with Eloise and Ada to play, and it’s basically the perfect setup. Ada is a fan of monkey bars these days, so she had at it on those. Eloise crawled around in the tunnels, play house, and went down the tiny slide. We even found some of those painted rocks everyone has been talking about.

I will be relying more and more on free places to go and things to do as cross country season heats up. What kind of places do you like to take your little ones for some free things to do?


What are some of your own recent frugal accomplishments?

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Meal Plan, Takeout Fatigue, etc.

>> Tuesday, July 25, 2017

Before I get into the meal plan for this week, I don’t check Facebook all that often anymore. However, someone added me to a group that I do find quite interesting. It’s called the Non-Consumer Advocate. It’s all about finding ways to do things without necessarily spending money or otherwise consuming. Or if you do spend money, how to be smart about it. If you’re interested in that sort of thing, I highly recommend joining!

So, you’ve seen our $98 Aldi haul for this week. Our meal plan this week is nothing shocking or particularly interesting. I am trying to use up the things we have left over from vacation. (PS: Want more meal planning? Here’s the last time I wrote about this subject. And here’s all my posts on it.)



I’ll just be giving you the dinners we’re eating. Breakfasts are usually eggs and toast for Stephen, a protein smoothie for me, cereal + fruit for Ada, and waffles for Eloise. Lunch has been quite random as well this summer. I’m still trying to eat raw once a day, by the way. Should I do an update on that? Let me know in the comments!

Also: I’m trying to get Ada into more diversified eating, so I’ll try to touch on this subject another day. Snacks are things like Greek yogurt mixed with peanut butter, popcorn, carrot sticks, homemade granola bars, etc.

DINNERS


The girls will eat the veggie burgers, quesadillas, pizza, hummus, omelets, and Mexican quinoa dish with us. Or at least try. We also have some staples on hand for them, like mac and cheese or pierogis, if we think they won’t enjoy a meal (or if we’re eating at different times).



Thoughts on Eating Out


We definitely have takeout fatigue. I loved sampling cuisine from our favorite restaurants while on vacation. That said, it was mega-expensive (regrettably so!). And you know what? I missed cooking. I think we may even make better meals than some we get out. While a good meal out can certainly be a nice indulgence -- even a regular one -- I think we’re going to skip for a while. Even with my birthday coming up, a home-cooked meal seems much more pleasurable than anything else right now.

You get a lot of facts and figures if you look up how much the average family spends going out to eat each year. I estimate that we probably spend around $50 a week on an average week getting a mix of takeout, dining out, etc. That’s figured into our “entertainment” budget category. So, if we stopped doing that . . . that’s $2,600 a year. I only took the time to figure this out just now.

And now I feel a bit sick to my stomach. Do you know how many places that money could go? Holy moly.

What’s your policy on going out to eat? I doubt we’ll stop doing it altogether. But I’d like to save it for only special occasions. Maybe once a month? That sounds like cutting to the bone, but I think it’s doable. 



Recipe Liberation


Here’s my parting idea for the day . . . and it’s something I’ve neglected to mention on the blog. I rarely follow recipes (even my own) exactly. Well, if I have everything on hand, yes. But if I’m missing ginger for a stir-fry, for example, I’ll skip it. Of course, it’d be nice to get the extra flavor, but usually there are other spices + things that will do enough of the heavy lifting. If the ingredient is non-essential, like peppers for veggie quesadillas, I’ll leave it out, too. (This rule doesn’t apply with baking usually. Especially with things like baking powder, baking soda, etc.)

Anyway, I guess what I’m trying to explain is that cooking can be flexible. I am sure many of you know that. But I think some others think we must follow recipes exactly. Not the case at all! You can make all sorts of substitutions, swaps, and omissions. Heck, you can add things, too. It takes time to get cooking right. You’ll make missteps along the way. But you may even make something particularly delicious -- accidentally.

I’ll be back soon with a recipe for Greek salad, homemade granola bars, and some notes on getting back to from-scratch cooking and baking. Feels good.

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Aldi Haul + $400 Monthly Food Budget

>> Monday, July 24, 2017

I am in super productive mode now that we’re home from vacation. I have tons of freelance work this week. Our house needs a good tidying and deep cleaning. And -- honestly -- our budget needs an overhaul. Whenever we find ourselves needing a reset, I look to what we’ve been eating. So much money goes to food. We got especially lazy despite meal planning while on vacation and ended up spending mega-bucks keeping our tummies full.

I’ve started going through our pantry to take stock of what we have. You know what? We’re eating entirely too much packaged and convenience food. This habit started slowly when I had morning sickness and didn’t feel as much like cooking. Then with the newborn days and Ada’s first year of packed lunches, well, it increased and took a strong hold.


Budget


I’d like to keep our food budget to around $400 a month. Heck, one month I got away with only spending $291! (We have a CSA share that works out to a bit more than $20 a week. Unfortunately, our pickup person fell through while we were on vacation, so this week we didn’t get the share. I had to spend more than I wanted -- but am hoping to stick closer to $80 in the next weeks.)

Game plan:

  • Meal planning
  • Shopping at Aldi exclusively*
  • Making more from scratch
  • Kicking packaged foods to the curb

* We cannot get tofu or Earth Balance butter spread at Aldi, but those -- I think -- are the only exceptions.

I’ll be writing more soon, but I thought I’d just start with our $98 Aldi shopping haul.


The Haul


Here’s what we bought, in no particular order:


Toasted sesame oil
Pierogies
Toaster waffles
Dried mango
Baby food x 5 squeeze packs
Jarred jalapeño peppers
Whole grain bread x 4 loaves
Organic mac and cheese
Organic grape tomatoes
Bananas 
Raisins
Package of kale
4 avocados
Carrots
Baby carrots
Cucumber
Spring mix
24 ounces blueberries
Organic BBQ sauce
Organic peanut butter x 2 
Veggie refried beans x 2
Tomato paste
Sliced gouda cheese
String cheese
Chili lime cashews
Yogurt tubes
Ricotta cheese
Canned beets
Canned carrots
Canned veggie mix
Whole milk
Organic soy milk
Sparkling water case x 2
24 eggs
Medjool dates

You may notice randomly that I bought like four loaves of bread and lots of refried beans, etc. I picked up a few things in bulk that I knew we’d use over time, but not all in the next week. Also: packaged foods. I wanted to get away from buying chips, cookies, granola bars, juices, individual sized anything, and junk food. I did a pretty good job during this shop, but I could definitely improve.

For example:

  • I could just start giving the kids regular yogurt sweetened with honey or jam versus the yogurt tubes. I can make toaster waffles and freeze them in bulk.
  • We could buy a new CO2 canister for our Soda Stream and make sparkling water at home.
  • I could buy some reusable squeeze pouches for Eloise. She doesn’t do a lot of baby food, but it’s nice to have them on the go.
  • As an aside, my favorite reusable grocery bags are these ones that are mesh. They are so compact, yet they stretch to accommodate so much. I am always so pleased when I’m packing up at the store. And my market basket does some massively impressive heavy lifting.
  • I think I may write a post about the swaps I’m going to map for packaged foods. It’s actually something I want to research and write so I have the information to use myself!

There are times when I want to turn this blog into one entirely about shopping for groceries and saving. Tips and tricks on making food cheap. I don’t know. I feel very motivated, so I think I may just blog through my own thought process as it rolls.  A lot of my Aldi posts are from like 2014. I think I need to update them because as I look through the photos, it becomes clear to me just how much the store has changed (for the better!).

Related Posts


In the meantime, I have some good posts up from when I am doing things the optimal way, so if you’re looking for some ready tips -- check ‘em out.

18 Vegetarian Staples at Aldi
What’s Great + NOT About Aldi
What $77 Looks like at Aldi
Monthly Groceries for Less than $300 at Aldi
Grocery Budget -- Dollars and Cents

Monthly Shopping?


What about shopping for groceries monthly? I did it for four months in a row, and it was pretty awesome. It required some advanced planning, though. And the summer hasn’t been working well for that. That said, I may try to revisit this approach again when the school year starts. I found that shopping monthly did contribute to buying more packaged foods, though. Let’s explore this another day.

I’ll be back soon with our meal plan for the week and a recipe for some granola bars I’m making with Ada.

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Introvert's Guide to Holding a Yard Sale

>> Thursday, May 25, 2017

In the last week or so we've had a yard sale, taken two trips to the children's second hand shop, and I've also made my first transaction via a local mom's Facebook sale group. I feel like a superhero of sorts when it comes to getting rid of all the dreaded stuff. Yet, when I think back . . . I thought I got rid of everything last year. You know, the great purge. Why am I doing it again? Obviously I haven't been following my own advice to stop bringing things home. That's not the topic of today's post, though.

Let me tell you about introverts having yard sales. It's a comical situation. I got so wrapped up in the prospect of making cash money from all my things that I hadn't considered the strain it would have on me. And, yes, strain is the right word. Of course, I am being slightly dramatic. But sitting around while random strangers paw through your children's old toys and make small talk is a nightmare scenario in my eyes.


So, here's the setting: Saturday morning, dawn.

I got up early. I had already staged everything in the garage the day before so it would be at the ready. I pulled each makeshift table (these camping cots we've had for eons sure come in handy for lots of things!) out to the driveway and proceeded with marking prices. Most were $1, $5, $10, and even amounts. Pretty easy -- I was ready to go in 10 minutes. But also pretty hard to put a price on things with so much sentimental value and even guilt attached. I digress.

And just like that, it happened. People started slowing their vehicles. Stopping at the foot of the driveway to gawk. To ask questions by shouting out their car windows. Walkers and joggers took notice, too. You know, because that's what people do when they're trolling around for deals. It's part of the game, Ashley.

When people started approaching . . . the conversation I had in my head was sort of like this:

Oh, god. 
Here comes this or that person. 
Do I look right at him/her? 
Should I say hi? 
Hm. 
Maybe I should just let him/her look around first. 
OK. That's the plan.

It would never fail. I'd say an awkward "hello" and nervously giggle.

Inevitably, someone would want to chat or ask a question. It's a social interaction, after all. I don't know what I was expecting. (Maybe next time I'll have a sign that reads: "Please just buy my things in silence.") We had all sorts of people come by. Some of them ended up being people we'd met briefly in the past. Some of them, we learned, do this trash-into-treasures hunt every weekend. And some seem to have crawled out of the woodwork. One woman exclusively clapped to get her 2-year-old son's attention. I think I made a nasty face at this whole thing, and she left in a huff.

I think one of the most uncomfortable parts of the sale, at least to me, is when people wouldn't buy anything. Instead, I feel like they may have come just to look for looking sake. We had primarily baby and little girl things. It was plain as day because the driveway was basically glowing primary colors.

We would have people slowly examine each and every item only to come up to us and say "Well, I don't have a family or any friends with kids. In fact, I have never even met a human child -- so none of this stuff interests me". Thank you. You could have decided that from the road versus slowly stalking that table of brightly colored toys for the last 10 minutes. Have a nice day. Merry Christmas.

I imagine Stephen's account of the sale is different from mine. In short: People were everywhere. People lingered. Drivers honked and waved. Some tried to haggle. Some lonely stragglers had no interest in the sale and simply wanted to talk to someone. In the end, though, I survived to tell the story. And I'll probably do it again sometime. That is, after I get back the mental energy. People zap me out cold.

So what are my tips for introverts who want to hold yard sales?

1. Grab your extroverted partner, if possible. Stephen -- thank god -- was able to take a big shift while I took Ada to gymnastics. He was loving it. He's entertained by people. He genuinely likes chatting with strangers. So, I let him do it while I pretended to clean the garage. Only problem is that he had an appointment during the bulk of the latter half of the sale. So, I was solo for a good chunk.

2. Hold your sale with a friend or neighbor. We were lucky because it was a neighborhood sale, so our friends next door were also outside. I considered them my crutch if I started getting uncomfortable. Actually, the husband is quite like me and retreated to his basement during most of the festivities. (Lucky.) Anyway, at least I had a familiar face to hang with.

3. Set definitive start and end times. Some people hold sales all day weekend long. They sit and sit and sit. I knew that I wanted to be done by 2PM because -- well -- that's what I decided on the spot. So, when I got uncomfortable, I knew that we were getting closer to my somewhat early end time.

4. Consider alternative modes for selling your stuff if you're really uncomfortable with the idea of having people scattered about your lawn. As I mentioned in my intro, I also went to the local children's second hand store. So, we made $165 at the yard sale (by selling only like 5 things!) . . . but we made another $100 at the store. Honestly, if I had started by taking everything to the store, I may have made slightly less . . . but if you consider the time and energy that went into holding a yard sale . . . you have to figure the cost of time.

Have you had a yard sale? Do you love it or hate it? You have to admit that -- no matter what end of the spectrum you're on -- it's an experience.

Read more...

Bad Spending Month // Recovery Plan

>> Monday, April 3, 2017

March, you guys. Oh, March. Where to begin? Stephen and I are in the process of switching to a more local bank. We have most of our money (which isn't much!) in Bank of America, but there are no local branches. It's made the cash system costly. The month we did take out cash, we discovered that we were being double-charged. We had taken out our cash in two installments . . . and it ended up (FOOLISHLY) costing us like $30.

So, we joined a local bank which now makes ATM transactions free. In the process of switching, though, we haven't transferred around enough, so we decided to just do our debit card last month. I still shopped for our food at the beginning of the month in a large shop and stuck within budget. After that, though, it was a landslide of spending . . . and I'm really not proud of it. This is our current plan to get debt-free, and I hate already deviating from it.

Without having the physical money, we find ourselves venturing out to the store and buying all sorts of things we "need". We find ourselves without a plan -- and that's dangerous. I haven't looked at the ugly numbers yet, but I plan to do that later today. Part of me is actually just nervous/scared to look at how much we over-spent on our budget. Does anyone else ever feel that way when you're looking at a bad over-budget month?

Here's our plan for recovery:




Chatting about the Why


Stephen and I know very well why our spending got out of control. He started coaching track and is now gone long hours and Saturdays. This means we are trying to do anything and everything to make ourselves feel better. And that usually means eating takeout or getting extra food all the time. Because home-cooked meals are sometimes hard to make when life is crazy AND eating delicious sandwiches with fresh ingredients from Wegmans several nights a week just sounds . . . amazing.

Ugh. The schedule isn't changing until a couple weeks into June. If we keep spending at this pace, our bank account will look frightening by summer. This is one of the main reasons why everything went to crap this month. So, we need to recognize it and move on.

Going Back to Cash


We need to take out cash for this month. Period. I'm going to figure out the total number I want to take out today and then divvy it up into my cash envelope system wallet. Then I'm going to write out our spending plan for the month.. There isn't much more to say about this one. If you're prone to mindless and excessive spending when you use cards . . . cash can help so much.

Simplifying Our Meals


We have $500 a month set aside for our food. We have a pretty well-stocked pantry right now, so I may forgo the big monthly shopping trip and try to just use up what's in the pantry for as long as possible. I'll need to buy some fresh produce and other items that expire more quickly. But otherwise, I am going to try to plan our meals around what's already at home. This may mean eating pasta more frequently this month.

My goal is to spend just $300 of that $500. SAVINGS: $200, maybe more.

Planning a Personal Spending Freeze


I budget $200 a month to an allowance fund for the family. This money is essentially fun money, money for stuff each of us might need or want, and etc. This month of April we are going to try to spend as little of this money as possible. Along with that, we have a $135 monthly weekend fund to do stuff out. Instead of breaking into that, we're going to try to just doing free stuff on our weekends and skip eating out, etc. I'm hoping the nicer weather may help with this. Having a blizzard and all that jazz definitely contributed to us spending more money.

SAVINGS: Potentially $335, but we'll see what ends up happening. It definitely won't be all of this.

Changing Vacation Expectations


OK. Yeah. So, this is where it gets tricky. We are also heading up to Burlington to visit my brother mid-month. What I think may happen is that we use some of these weekend/personal funds to pay for what we are doing up there versus spending any extra on top of the budget. Does that make sense? We've had this trip planned for a while . . . and we originally intended to stay three nights. I think we're going to cut the trip back to just two nights and try to save that way as well.

On the trip, we get free breakfast at the hotel, so that's a savings. I'm going to look up as many free things to do as possible. And we will try to eat modestly out and not spend a ridiculous amount of money on all the meals. Gas is the other expense. I'll try to write more about our travel budget soon.

SAVINGS: $100 -- at least that's what we'll call it for now. It's complex because we didn't totally have budget for travel right now BUT we also want to see my brother and his girlfriend.

Postponing Paying Our Debt


This might not be a popular bullet point, but I think right now we need to preserve the money that's in our bank account. And that means skipping a month of paying an extra $1,000 to our debt. This isn't really a savings, but it will help us in the short-term preserve our emergency fund.

I am actually experimenting with taking on a bit less work this month because things have been crazy with Stephen's new schedule. Basically, we're needing to go back to our original pay-off plan to tweak it a bit. It may make better sense for our to try and allocate $500 a month toward debt versus a full $1,000. I am having trouble sustaining writing so much when Stephen has 11-hour weekdays and was gone from 8:00-5:30 on Saturday.

Final Thoughts


This isn't the most organized or most inspirational budget post I've ever seen. I more just wanted to get it out there. We had a bad month. We recognize that we cannot go back to our old habits. Back-sliding it just not fun at all, especially when it comes to finances. We are admitting we messed up. We are doing a few things to help recoup some of the extra we spent. And all we can do now is more forward and have a good month.

What do you do to recover from a bad spending month? Any suggestions for us? I'm off to see exactly what the damage is!

Read more...

Vegetarian Meal Plan // What's In My Fridge + Pantry

>> Wednesday, March 1, 2017

It's that time again -- MEAL PLANNING time. Yup. Today is March 1, so that mean we are getting more cash out of the bank to do the envelope system. And along with getting cash, I'm going grocery shopping for the entire month. Doing both of these things helped tremendously with our budget, and I plan to write a lot more about each.

Today, let's take a look into what food we are starting the month with:


DINNER PLANNING


This month's meals are split into the following categories:

  • 20 weeknight meals
  • 4 Friday pizza nights
  • 4 Saturday sandwich nights
  • 4 meals using up what we have

From there, I came up with what we'll eat:

DUMP means that I plan to put all ingredients in a freezer bag, label it, and then pull it out + cook it the day we're eating it. I find when I cook ahead and then freeze, I never want to eat the meals. So, I'm thinking if it's made the day of, that might improve.

SHOPPING LIST


And for those of you who are interested, this is how my shopping list is shaping up. This isn't absolutely everything, but it accounts for everything we'll need to make the dinners above (along with a few other staples for the month).

  • 3, 5-pound bags carrots
  • 1 large head cauliflower
  • 6 large sweet potatoes 
  • 2 packages celery 
  • 2 tubs baby spinach
  • Garlic 
  • Bag onions
  • Pizza sauce x 2 
  • Pasta sauce x 2  
  • Olives x 3
  • 4 cans black beans
  • 12 cans chickpeas
  • 4 28-ounce diced tomatoes
  • 2 cans coconut milk 
  • 1 can tomato sauce
  • 2 large peanut butters
  • 2 jelly (grape, strawberry) 
  • Tortillas x 2 
  • Hot sauce  
  • Udon noodles x 2 
  • Asian freezer veggies x 2 
  • Tofu x 1 three pack 
  • Large bag walnuts
  • Quality bread flour
  • Sugar
  • Chocolate chips
  • Package bread crumbs 
  • Large container Goldfish
  • Bag lentils      
  • Curry powder
  • Garam masala  
  • Mustard powder
  • 4 assorted non-dairy milks
  • 6 tubs Greek yogurt 
  • 4 packages sliced cheese
  • 4 blocks cheese  
  • Large pack cheese sticks
  • 4 loaves seed bread
  • 1 tub of oats
  • 6 dozen eggs    

I am shopping at Aldi and Wegmans this month, and I'll be sure to share how I fare with the budget getting all this stuff. I'll also be back soon talking about the other meals we'll be eating this month (breakfasts, lunches, etc.), as well as some handy tips to make school lunches really fast + cheap.

PS: Don't forget to subscribe to my YouTube channel!

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Budget Life // Monthly Grocery Shopping

>> Monday, February 6, 2017

I shared over the weekend that I did my very first monthly grocery shopping trip. Phew. It took me two hours total -- which included driving from place to place -- so, it was definitely time-consuming. In the end, I think I really like this approach. I am going to need to see how it pans out for our meals this month (and for time savings overall). But this is the fun in sharing along the way.

Today I wanted to just cover some of the planning I did. I think I'll also do a video about the foods and meals we're making, but today I have a pretty bad cold. Nobody wants to watch me talk, sneeze, and sniffle, I assure you.

Money matters:


For those of you who are really interested, I have budgeted $500 a month for food total. I'd like to cut this lower, maybe to $400, but I thought I'd first see how it goes. The $350 goes to the month shop. And the remaining $150 is split up into $35 per week (this is on average throughout the year) for things that spoil.

Step zero: Clean your pantry and refrigerator.


I took out all the spoiled and expired foods and tossed, recycled what needed to go. I also spent a great deal of time organizing my pantry to see what foods we DID already have to put toward meal planning this month. Taking stock like this will help you avoid over-buying and purchasing duplicates.

Here's my current food situation after the shop. I hope to do a quick post on how I organized my pantry by spending a mere $9 at the Dollar Store. (And, no. This isn't looking good for our less waste goal.)


Step one: Plan meals. Loosely.


And I really mean loosely. February has just 28 days in the month. So, I wrote out a menu that would give us breakfasts, lunches, and dinners for four straight weeks. I kept the recipes familiar for this first month. Things that we normally cook and enjoy, where I know the ingredients almost by heart. Some meals are on repeat during the week or month. Others are more free flowing.

I plan to share more about my meal-planning approach when I do my video!

Oh, and I uncovered this older post where I go through and share my favorite 18 vegetarian pantry essentials at Aldi. It's definitely worth reading if you're new to the store or just want to know some of the items I like to buy most every time I shop there.

Step two: Write down all the food you need. 


And it can be dizzying. I discovered that we may actually eat close to 96 eggs a month! That's insane to me (Stephen eats 12 per week, I do about 8 and Ada does about 4)! 60 slices of bread. 8 cups of mozzarella. I mean, it's really just tallying up everything that goes into your recipes and snack and making a gigantic list.

I then organized my list (after this one) by store and by section. It just helped me go through the aisles faster.

(BTW: I mean bucatini noodles down there!)


Step three: Price it out.


Now, here's where I failed this month -- but it wasn't totally my fault. I intend to shop at several different stores to get the best prices on my food. I do know that some of the stuff we like is only at Wegmans. And with some of the family pack foods, they have good prices on larger quantities of things like frozen fruit. Wegmans has a handy app where I had planned to price out my food ahead of time, but for whatever reason, it wasn't working the day I needed to use it.

Alright, but what do you do for stores that don't offer an app? Take scrupulous notes.

I jotted down some prices at Aldi during my shopping trip so I can consult them before next month's trip. It's going to be a lot of trial and error. But the important thing with pricing out stuff ahead of time is so it jibes with the cash system. I don't want to get to the register and suddenly realize I don't have enough money and -- gasp -- have to use my card.

Step four: Go to the store prepared.


One of my Instagram followers promptly pointed out that I didn't bring enough reusable grocery bags on my trip. My bad. Yes. In the very days after posting our desire to be a less wasteful family, I brought home a bunch of plastic grocery bags.

The thing is, I didn't plan ahead. I've never done monthly shopping, though, so I can't be too hard on myself. Now that I do think I enjoy this process, I hopped on to Amazon and picked up this set of mesh grocery bags and some more bulk produce bags to take on my trips. Stephen also accidentally ran over my favorite folding market basket in the garage. So I may need to get another one of those.

Lesson learned.


Step five: Dive in!


I just went for it. I was kind of nervous about how this whole shopping once a month would go. I don't feel like I did my planning perfectly. I worried maybe I wouldn't get enough food. Or maybe I'd buy too much. But I ultimately decided that this was my first time. I was bound to have some successes and some failures. If I didn't try, though, I'd be annoyed.

Also: If you can, try to do this shopping trip alone. I asked Stephen to watch the kids because I wanted to concentrate and get things right. I think if I was wearing Eloise or having to tend to Ada, I may have gotten off track. Our Wegmans has a great kids space with free babysitting I may use in the future if Eloise is napping and Ada wants to come along for some of the ride.


Final notes:


I spent a grand total of $298 of my $350 monthly food budget this weekend. And actually $20 of this was on food for our Weekend Fund, so I still have just about $70 left of the monthly budget along with all of the $150 for the weekly stuff I divide up. I hope to not spend all of this and maybe pitch more to paying off our debt.

I'll be back with more thoughts and a video about the shopping experience -- as well as my review of the new cash envelope system I purchased on Etsy.

Read more...
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