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

Wednesday, April 17, 2019

Three Important Lessons Learned While Remodeling My Bathroom





We recently remodeled our downstairs bathroom. After painstakingly saving up to pay cash, we encountered a quagmire of needing to choose sequentially less expensive product choices as we worked fervently to stay within our budget.

My beloved white Carrera marble tile gave way to less-expensive knock off hexagonal tiles. Then, as the cost of the shower replacement soared to over half of our budget, the knock-off marble was replaced with large sheets of faux-marble porcelain slabs.

The ceiling sloped, the floor was uneven, and not one wall formed a 90 degree angle. In short, the room was a mess! However, the finished product is attractive and meets my expectations far better than I ever thought it would when I wasn't getting what I thought I wanted.





So, why am I telling you this story? 


Because, compromise and hard decisions are a part of every life. But, when you live under the median, they come your way a lot more often. When you are doing your best to put food on the table, a roof over your head, and shoes on your kids' feet, sometimes you can't always have everything you think you want.

So, what do you do when the "I-didn't-get-it-all" sadness strikes?

Lesson #1: Remember your goals.

One evening, while I was bemoaning the tile situation, my husband reminded me that we began with three stated goals for the room: 

1. Get rid of the ugly, worn, stained carpet. 



New gray floor tile from Lowe's!

2. Replace the duct-taped shower. 





3. Update the original 1958 stool, which used about 6 gallons of water per flush and often had to be flushed twice to get all the debris to go down.  




I'd say we met all three goals! Thankfully, the final product is not at all unpleasant to look at either.

When the blues hit, you have to remember what is most important. Whether it's despising your 1980's blue and white checked sofa or wishing that your basement walls were not adorned in ugly, brown paneling, you need to remember your goals. 

Sometimes, it's remembering that you are sacrificing to get out of debt. It may be remembering that you have a savings account started to replace that couch and in just 12 short months, you can begin visiting furniture stores.

Regardless of the situation, often a crash course reminder of our goals is just the ticket to "reset" our mindset and drive away the doldrums.

Lesson #2: Listen to your advisors! 


I drove my husband crazy during the entire remodel process. I dissolved into tears every time we had to make a new decision. I was so tired of having to make changes, that I began to view every potential change as disastrous. I was convinced that it was going to look horrid. I even forbid him from putting any photos on Facebook. 

What I didn't realize was that the products being recommended by the construction team had advantages, which I was refusing to even consider. The square tiles were easier to fit and cut, saving us money on installation costs. The large porcelain slabs on the wall gave it an unbelievably elegant look, unbroken by too many grout lines. Even the light gray wall paint (my husband's choice) gave the room a much softer look than my first choice of white.



By being unwilling to listen to what others were saying, I was putting myself in a position of getting what I thought I wanted, but being much less satisfied with the end result. 


Lesson #3: Count your blessings.


About half way through the remodel, I began to contemplate what it would be like to live with plumbing which backs up on a daily basis or a bathroom with a non working toilet or a home with holes in the flooring (necessitating that one sits gingerly on the pot for fear that it will fall through to the basement). Right now, there are people in my city, living in housing, which should have been condemned long ago and a landlord who refuses to do anything to remedy the situation.

I know one of these tenets personally. (Don't worry! After years of angst, she is moving.) Now she  has reason to be upset about her bathroom!

When I put the myriad of setbacks and decisions into a new perspective, suddenly I felt more grateful for what I did have! My situation didn't change - just my attitude.

I first learned this lesson  20 years ago, I was struggling with depression. My second-born son was eight months old and still having problems with nursing. Keeping up with two boys was leaving this mom sleep deprived, cranky, and more than mildly frustrated on a daily basis. 

My husband came home from work one day with a dry erase board. Using small magnets, he attached it to my fridge. 

Turning to me, he said, "Honey, you are basing your entire day on one or two frustrating events that happen. Your perception is skewed, because you are only looking at the negative. I want you to write down three amazing, cute, or funny things the boys do every day on this board. Then, when I get home, we'll begin by looking at the positive, instead of the negative. It will change the way you view your day. " 

He was right! The ebb and flow of my days didn't really change that much, but within a short period of time my perception was transformed.

When the daily grind of your "uber-frugal-counting-every-penny-and-pinching-every-dime" life begins to set your teeth on edge, then try writing down things for which you are thankful. A gratitude journal or dry erase board may very well energize you and give you hope to keep going!






Your Turn!

 

What do you do when you need a pick-me-up in the middle of a project or goal ... or just in everyday life? Leave your thoughts in the comments.


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Hope


Sunday, March 31, 2019

Weekly $68 Grocery Total, Best Buys, and Update On My Goals



We've been immersed in our bathroom remodel project. So, my grocery shopping and menu planning have been abbreviated this week. Since I was able to bulk cook last Saturday, we actually fared very well. But, we've been coasting all week on last week's efforts. As of this writing, I am nearly out of all of my bulk cooking booty. Time to get back in the kitchen!

Here's a look at this week's best buys!

Store #1: Kroger (2 Locations): 


Yes, I really went to two Kroger stores on the same day. I really wasn't purposeful. I actually stopped at the first Kroger after driving across town to drop my son off at his weekly science class. But, I realized, after I left the store,  that I had forgotten to use my 55¢ off coupon on soy milk. Really, under other circumstances, I would never have stopped at another Kroger on the same day. But, about an hour later I realized that I was literally across the street from a different Kroger location. So, why not just run in and pick up that on-sale soy milk and use my coupon? It turned out to be a good decision. I found a ton of produce markdowns!

 Here's the scoop!

Half Price Markdown Greens!





 

 Half Price Markdown Veggies

 


 

Non-Dairy Half Price Markdown Yogurt

 

99¢ each on sale. 

I know! That's pretty expensive. But, if you have someone in your family with a sensitivity to dairy, then finding the non-dairy version of yogurt for just 99¢ each is really good. That's half the regular price, by the way. I bought 6 of them.

EXPERIMENT COMING SOON! Because non-dairy yogurt is so expensive, I'm going to try making my own. My 1946 stove has a standing pilot light that heats milk to a perfect 110 degrees. This is the exact temperature at which milk cultures. Years ago, when I still used dairy products, used to make homemade yogurt on it overnight all the time. I am going to try using some of this yogurt as a starter and culture some soy yogurt on my stove this week. I'll let you know if it works.

By the way, you can just glimpse the berries at the bottom of this photo. It looks like I didn't snap a separate photo of the berries. They were sale priced at just 99¢ each for two days. I got two cartons.

Regular Sale Items 

 $2.50 each, but I saved an additional $.55 with a Kroger physical coupon.

*If you don't have a Kroger store loyalty card, get one! They will periodically send you high value coupons, based on your shopping history.


 99¢ each - two day sale!





$1.29 a pound! 

Kroger total: $34.77!


Store #2: GFS 

 

GFS is consistently putting items on their markdown shelf at fantastic prices!


I don't get my veggies from my bread, but at $1.50 a loaf, this intrigued me. 3/4 cup of veggies in 2 slices of bread. I bought it because I thought it would be a hearty bread for the vegan pumpkin french toast recipe that I want to try later this week. I'll let you know how it turns out.


75¢ a bunch for bananas! Best price in town! 

GFS: Total: $5.30

Store #3: Mediterranean Mart


I've mentioned before that Mediterranean Mart is my very favorite ethnic store in town. I was almost out of date syrup. They sell a nice-sized can for about $7.00. 

When buying date syrup, look for products that have ONE ingredient. The only thing it should say is: "dates". Some brands add extra sugars. Dates are seriously sweet. You don't need any added sugars. I use date syrup when making homemade salad dressings, desserts, and muffins. If you're trying to reduce your use of refined sugar, date syrup is a very nice alternative and it's cheaper than real maple syrup (my other natural sweetener of choice). 

While I was there, I bought a big jar of olives. I didn't get a photo, because my family scarfed down that jar in about 48 hours. If you like olives and you are a Central Illinois native, Mediterranean Mart has a fantastic assortment of types and flavors to try.

Mediterranean Mart is located at the corner of Glen and University Streets, in Peoria, IL.  

Mediterranean Mart Total: $11.80

Store #4: Aldi


No photos of this one. My husband ran in to Aldi earlier this week. I think he said something vague on his way out the door like, "I'm running to Aldi for a couple of things." He left, "supervised" by our 11 year old son. That turned out to be not such a wise idea. Seems that when a really cute 11 year old asks his Dad for food that Mom doesn't generally buy, Dad gets it for him. But, since the total was under $20, the budgetary impact was limited. 

Aldi Total: $16.92

 

Grand Total for the week: $68.77

 

My Current Goals


Right now my goal for meals for my family is $60 a week. I actually have managed on $50 a week for the past two weeks! I've been spending slightly more than $60 a week on groceries, but several of the items that I purchased will last for more than one week. For instance, last week's killer deal on 30# of potatoes will last us for a month. So, we'll see in another few weeks if I need to inch up that goal by a few dollars.
But, still, $60 a week for food for a family of 5 (6 when my oldest comes home from college to visit) is absolutely crazy! I know! But, I'm keeping it for now for two reasons: 

1) This journey began because I was consistently overspending on food over the winter months and then trying to play "catch up" with the grocery budget during the growing season (when we pick up our weekly bushel basket of produce through our CSA membership). I was driving myself crazy, sometimes whittling down my food budget to $100 by December (NOT the time of the year when you want a limited grocery budget!). So, this year I decided to take the bull by the horns, pulling out every grocery saving device in my repertoire of money-saving devices! And it's working! I have cut what I generally spend in January, February, and March by nearly 50%! Best of all, my family has not noticed a thing. (Watch for a post later this week detailing the TEN tips that I use for the past few months.) 

2) The other reason I'm doing this is to PROVE to you that you can serve your family healthy food for an extraordinarily low cost! I hear it all the time: "I can't eat healthy. It costs too much." No, it doesn't! And I'm out to show you how to do it! 

So, hang with me, while I continue to chronicle my weekly grocery spending and bulk cooking sessions for you. 

Your Turn! 

What are your current goals for your budget? Are you working your way out of debt? Saving to replace a car or buy a new home? Are you striving to cut utility or food costs? Let me know in the comments section or e-mail me at underthemedian@gmail.com. I'll write a blog post, giving you my tips and insights on your personal goals. 


 


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Do all to the glory of God, 

Hope

Sunday, March 24, 2019

43 Pounds of Produce for just $23.00!



Once again, I combined HyVee's sales items with price matched items from other local stores, to get the very best prices on produce! Let's take a look at each item and what I paid.

HyVee Sale Items


99¢ for 5 pound bags.

Yes! I've been waiting and wanting a great sale on baking potatoes. They are an excellent source of fiber and fill up hungry kids. Plus, you an use them in an amazing number of ways!

HyVee put 5# bags of their One Step brand russet potatoes on sale for 2 days for just $.99 each!

I bought 6 bags. Yep! That's 30 pounds of spuds. I've got plans for them.


$1.00 each!
I bought 3.


Each of these little lovelies was $1.00 each. HyVee consistently has not only great prices on red peppers, but also really, large, beautiful peppers. 

Price Matched Items 

 

Aldis

 
Fresh Lemons - $1.29 for 2 pounds 



 

Fresh Pineapple - $1.29 each 

Mandarin Oranges (Cuties!) - $2.49 - 3 pound bags. 
I bought 2 bags.

Cantaloupe - $.99 each for 2

(Not as good as fresh-from-the-field!) But, a nice change from our regular fruit selections. 

Save-A-Lot

  Small avocados - $.49 each for 6

Total Spent: $23.52

Saved with Price Matches: $17.08 

Price match savings: 42% 

 Your turn!

Anybody else taking HyVee up on their price matching offer? How about grocery deals in your locale? Fill us in on your best buys this week. Leave your thoughts in the comments section.

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Tuesday, March 19, 2019

Timely Tip From A Reader Leads to GREAT Kroger Markdowns!




I received a message from a faithful reader this afternoon relating the glorious news that there were a ton of markdowns at our local Kroger in the produce department. That news got my attention! Making sure that I had the right Kroger location, I immediately headed out the door.


Ten minutes later I found myself in the store, staring at a glorious amount of bright yellow and orange markdown stickers.




Not only did I find half price produce, I also scored some great deals in the general merchandise markdown area.

Deals like this are exactly what I rely on to keep my grocery budget in line! I feed my family a whole foods diet for just $400 a month!

You can read my best grocery saving tips in these posts:

Three Food Prep Techniques Guaranteed to Save You Money

My Five Step Plan for Stretching Food Dollars

Before You Head to the Store, Do These Six Things




Without further adieu, let's take a look at the deals I scored today!

Produce

 $2.79 - 1 pound organic salad greens


How about 1 pound of organic salad mix! Yes, thank you! This is headed to church with me tomorrow night for Bible study. TIP: When you are following a specific diet (like I'm vegan) be sure to take at least one dish to every social occasion. That way you are sure to have something you can eat. 

By the way, I have taken my homemade oil-free salad dressings repeatedly to church functions and not one person has ever told me that they either missed the oil or could tell that it was absent. 

 $1.39 - 12 oz. salad mix

My 11 year old absolutely adores this salad mix! Yes, it's got some regular iceburg lettuce in it. But, it also has a nice mixture of romaine as well as other veggie chunks. He likes that he can throw it in a bowl and have a complete salad right off the bat without needing to cut up anything else. On a side note, he often eats salads without any dressing at all. Several of my other children do this too. They say that if they add dressing, they can't taste the greens well enough. 

 1 pound bags of sugar snap peas - $1.49 each

I have NO idea what I plan to do with these. Honestly, the kids just like them washed and set out on the table. They snack on them throughout the day. But, I may save one back for a recipe. Last time I scored this deal, I made an interesting soup with some of them. 

Any ideas? What can I do with my sugar snap peas? 

Kroger Stir Fry Kits - $1.49 each 

I am seriously in love with how simple and easy these are to use! I am not eating added salt products, so the flavor packets will either go in the garbage or be served separately for those who want to add the sauce. But, for $1.49 each you simply cannot beat the convenience of this great product! Dinner is on the table in 15 minutes when I use these! 

 100% Juice smoothie - 59 oz. - $2.09

I very rarely purchase juice. If my kids want juice, they get it while eating the piece of fruit which contains the juice. Really, juice is no more than glorified sugar. I want them to learn that we don't drink our calories. However, clearly, I made an exception. This product has no added sugar and a pretty decent ingredient list. So, my plan is to use it to make smoothies with actual fruit that I have in the freezer. I have a LOT of fruit left in the freezer from the winter and I need to use some of it up before this year's growing season. 

General Merchandise

 

Zevia mardarin orange sparkling water - 8 can packs for just $2.29 each!

You can never predict when you will find the perfect product in the general merchandise markdown bin! Our youngest son turns 11 this week and that means a birthday party is coming up soon with some of his favorite friends. This will be a wonderful natural product to serve at the festivities! 

Yep! I bought 4 cases. Just one case is for my son's party. The rest are for our weekly Friday evening picnics. Spring has sprung and soon we will be packing up supper and heading over to the river overlook on Friday evenings to connect as a family! My grown sons voted "Friday night picnics" as their very favorite childhood memory! 

 Dandruff shampoo - $2.99 each



Suave Professionals shampoo - $1.59 each 

 These were the big 28 oz. bottles! The 16 oz. bottles were the same price! So, of course, I cleaned the shelf of the larger bottles of shampoo.

This is where I tell you that I am aware that there are some pretty awful chemicals in most shampoos and bath and body products. It's not that I don't care. It's that I have to pick my battles carefully on my budget. And right now, shampoo is not it. 

Insulated gloves for just $2.49

By the time my youngest inherits clothing, which has been previously worn by three siblings, it's in pretty sad shape. Such was the case with his winter gloves. I found these marked down to $2.49. They were just a tad too big, but should be perfect by November when he needs them. 

What did I spend?

This was a serious amount of food and household items for just over $35.00! 

 A special shout out to my reader, Stacy, who put me wise to the tremendous bargains on my local Kroger's shelves! I love it when my readers give me their tips or offer a "heads up" on bargains and sales! If you have any advice or tips, we'd love to hear about them in the comments section below. 


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Do all to the glory of God, 

Hope