PRAISE GOD! Sold-Sold-Sold

It has been the song of the week. "Praise God from whom all blessings flow". I have seen God's hand in more things this past week than I have ever before. His timing, His presence, His guidance, His work, His faithfulness! We have had so many little things happen that I know it was in His timing or because He totally had his hand in it. Just today some big blessings:

1. I had a good Dr appt. I had little reason for concern to begin with but have a small anxiety issue when going to the dr. Not sure why. I've never had an unpleasant visit. So God had his hand in being with me at this visit without a doubt.

2. I helped at the School Auction where my 3 girls attend. First the enrollment was down almost 50% this year from the last. Second, the donations were down. I helped make calls and it was tough to be turned down and know it is from the suffering times. Third, the giving within the community and people who attended was down as well. This was to be expected, but boy is God great. The out poor of prayer from family and friends and faithful supporters of the school was tremendous. People still gave, some gave generously the hard earned money they made, some I am sure gave just what they had. I believe that the auction was a great success. I cannot wait to find out the actual numbers.

3. I was able to help someone due to Gods perfect timing. On my way home from the auction I noticed a vehicle at a McDonald's that was being pushed through the drive thru. I instantly recognized the car, my DD Pre-k teacher, and was able to pull in and see if I could be of any help. Right before that I had dropped my sister off. We decided to chat for a bit. Isn't it amazing how 30 seconds sooner I would have missed them needing help getting jump started. God surely had his hand in that as well.

4. We finally sold the Tahoe. The drastic measure we have taken to help get ourselves out of debt have been followed by hurdles and unexpected trials. Through uncertainties, God, like always, remained faithful. WE knew without a doubt that the perfect person to buy this vehicle would be brought a long. It turns out that person came along today. A wonderful couple about our age, have four children just as us, and best of all, Believers in GOD! My husband spoke to them for quite a while and through conversation even a small friendship formed. They even gave credit to God in the sale and purchase of the Tahoe. God kept it in our possession until they found it. Isn't God great?? There is more to the conversations they had that I wish I had time to share. If you have time check out those two links (hurdles and unexpected trials) You will better understand how we see nothing but Gods perfect timing in all he is doing.

We feel so blessed to not only have all these things just today but that God has really opened our eyes to see these things at all. We have wasted so many hours and days of our lives not appreciating the fact that we can see God in ALL things, at any moment, yet we don't give him that credit. It's not that I purposefully didn't want to, I just never looked for it. Now I do all the time. Just wanted to share. When I know that the transactions are made I will excitingly see my little $ sign at the top of my page get a little closer to wear it needs to go. To ZERO!

Praise God for a successful and blessing filled day!

Finding Freedom Friday

I have started taking part of Phoebe's Finding Freedom Friday. I love her topics and her ideas. Not only her, but she has links set up from many people like myself trying to budget, live frugally, spend less and save more. As far as I have seen most of us are mothers. Stay at home moms, part times working moms, and more excitingly, believers! We have the same goals and being able to share them with one another has been wonderful. Make sure you check out her site and the other ladies links that are on there. You will get a few, okay so maybe a lot, of ideas!

Budgeting and How it's working for us...

Most importantly, it's working. We have been on a budget only since Feb 1 of this year. Yep, a measly 6-7 weeks. We have learned SO much. Every penny in designated to a bill or debt. Okay, so maybe not every penny. Lets put it this way, almost every dollar. We plan bi-monthly with the paychecks. We set aside money for gas and food. The rest goes to the bills and debt. Our snowball is getting bigger. In just this short amount of time we have saved Thousands of dollars. By that I mean, we have used it wisely, paid a few things off, not bought anything that is not a necessity. As Phoebe stated in her blog we are not perfect. We have spent money that we shouldn't have. Its hard as we have sold things on our local CL and the $10 here and the $10 there is sitting there and we think, just this once. Well, this area is the only one at this point we need to remain accountable in. We get selfish with our time, I don't want to cook, or clean the mess from dinner so we spend. Argh! It's done, forgiven, will do better this week. One week at a time. For us it is one day at a time sometimes.

Being on a budget has been life changing for us. No exaggeration either. The real thing we ever really argued about was $. Not anymore. We are on the same page, in agreement and love what we are doing. We are accomplishing a huge thing together. I am cooking more and buying better foods. The savings I am seeing in making my own things like pizza, Bread and bagels is unreal. These are things we eat a lot of and the money saving are incredible. Cutting these out of our budget has been great even just this week. We estimate we have saved about $8 just in bagels. Yahoo!

Have great "stick to the budget" weekend. And thanks for stopping by.

Thank You Emergency Fund

I must say that I am so grateful for our emergency fund. We had to have some work done on the truck for some electrical issues. Turns out that store gave us the wrong plug and it shorted everything. After many attempts, which would make for a great blog, we gave up and took it to a professional. It costs a pretty penny to fix it. We had to borrow from the E Fund. I was freaking out a little when RJ told me the final bill was $300. Eeek! We did have another few knick knacks done to it with the locks and window which we know now wasn't really a necessity. His paycheck on Tuesday was short his stipend pay too, Shoot! The last paycheck 2 weeks ago we got our budget to zero. Nothing to fall back on for the next two weeks. Frugal living for sure! RJ sweetly reminded me that we have the E Fund and that is why it is there. (Reminder that we cut all credit cards). I was so relieved and almost had forgotten about the fund. I literally had to go to the bank and draw the $ out. I can't wait for his next paycheck so we can replenish it. I feel like I'm going to go crazy now that there isn't that $1000 in there.

Also the vehicle is back up for sale. Lots of hits but no grabs yet. We are lowering the price a smidgen. Either way it should sell. It is just under KBB so a great deal, and for a nice vehicle (sigh). I'll miss it when it sells.

Have you had to dig into your E Fund? If so how did it make you feel and how quickly did you get it paid back?

Monday Madness and Meal Planning

Here we are yet another week has passed. I was so stressed last night as I didn't have my weekly menu planned. In just two purchases I have several meals for this week. We stayed within our budget with food. Originally we assumed that to feed the 6 of us we could do it on $250, which can be easily done, but that originally included household things like toiletries, cleaning supplies, etc... We now know that we need to cut back in some way or have those needs budgeted separately.

Meals for the week

Monday- Taco Soup
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Tuesday- Left over baked Potato and fajitas or chicken burritos as the kids know it. (which was the chx/rice last week)

Wednesday-Broccoli and Cheese Soup. Not sure what recipe I am going to use yet. But I have broccoli that must be used.

Thursday- Taco/Burritos

Friday- Breakfast for dinner: French Toast and eggs.

Saturday- Pizza/pizza leftovers (Have neices bday party to attend).

Sunday- Dinner at the In-Laws. :)

Penny Pinching Rewards...

Day 7 No Television
Oh, how I miss my shows. Well, I have access to them via the Internet, however, they are not as easily accessible. AND if we want to catch up on a show then I don't get to have the computer on my lap. Ahhh! The price you pay to save. We were paying $60 a month for Dish. We called to cancelled and for no reason at all they were able to knock off $20. Just for calling and trying to cancel. We took the deal and hung up with intentions of still cancelling. Fast forward 2 weeks..... I called to cancel. She offered to take an additional $10 off our price. So, same package for half the price, Hmmm! I questioned her on how she could do that. Then I gave a her a few thoughts of my own. I made it clear that if they were able to screw me out of $30 a month this long that I have NO intention of keeping our service. She made it clear that I was responsible for returning ALL of the remotes, the receiver and even the little round thingies UP ON THE ROOF on the satellite things. REALLY?? They refused to send someone to come take those down. And to make it worse, if we break either one of the two that are out there then we are responsible for the cost. Wow! After all this and her not being very kind they can have all their crud back. We are happy using the Internet, commercial free, to watch our shows for free.

Long story short, I got it cancelled. About 3 minutes after we hung up I had no local channels, no pkg channels and a whole lot of shopping networks.



I must admit that in the 7 days we have not had TV the girls are playing and interacting more with one another. Hubby and I are having great conversations and I have a lot more time for my Bible. So, it is a great thing to get rid of it. Good choice and in a matter of one month we have now freed up $60 additional to roll into our snowball. Yahoo!!



What do you have that you have/can get rid of, lower, or downgrade?? I'm curious.....

*I changed my settings so now anyone can leave a comment.*

Up for Sale AGAIN...

So, we have the Tahoe back on the market. For our faithful readers, which there are MANY of you.... ;) Please pray that the vehicle will sell in a timely manner. This would not only be helpful for our debt, it will help tremendously with our monthly budget. Thank you for keeping up on our blog. I really hope to hear from any of you that are reading the "TMMO" book also, or any of you that are trying anything that we are. It would be great to share our thoughts and ideas. Even one change is a great thing. Lets hear about yours...... (please, followed with a beg....)

Monday Madness and Meals Planning

This weeks Finding Freedon Friday from Phoebe was meal planning.

SO here was my repsonse:

I am so happy to say that for the 1st time ever I am meal planning. I plan 1 week at a time but purchase food for the month. I plan three good wholesome meals and 2 random ones due to schedules + leftovers. We keep our reciepts and I have a budget journal that I write it all in. I have been searching many cookbooks, family recipes and blogs to find recipes that I want to try so this is mainly how I get my ideas. It has helped us eat healthier, for cheaper, we are on strict budget and it helps us stick to it and most importantly we are eating more as a family. We have estimated we dropped our eating out by 90% in 5 weeks. (Sad to say we ate out a lot!) Happy to say we DO NOT anymore! :)

Here I am again getting my thoughts in order for what we are going to be eating for the week. SO here goes it.....

Monday- Pizza night. (DD has an awards night) This was budgeted about 3 weeks ago with cash set aside. (we will be spending $12 for the 1 pizza, drinking water.)

Tuesday- Leftovers. (DH has class) Yes it is Baked Spaghetti AGAIN. We made a little too much last week. With green beans and apples with PB. (Free Baked Spaghetti since it was already accounted for, green beans and apples with PB will land about $1.25)

Wednesday- Potato Chowder and sourdough bread. The bread was more than the soup. Eek! ($6.69 total)

Thursday- Chicken, rice and carrots. (Est. $5)

Friday- Leftovers. If leftovers are slim then I will make homemade Mac and Cheese and fries. Carb overload?? Owell, its cheap. (Free if leftovers. If not then $2.75)

Saturday/Sunday- Baked Potato with the goods cheese, sour cream, chili ($2.50) and/or grilled cheese sandwiches/tomato soup ($3.00). Fruit ($1)

Estimated total for the weeks dinners is around $31. (NOTE: This estimate is a little low as I did not look at my recipes and actually tally to the penny. My goal is to do this for the nest weeks menu. Obvioulsy it is cheaper to eat in than eat out but I like numbers so I will have it acurate next week.

There it is. I have a few other things I am anxious to try but will have to wait. I cannot cook big meals each and every night so I will have to be patient. Which I'm not real good at.

I am going to work on the sack lunches ideas. I am very simple and don't care for super strange lunches so my ideas are VERY easy that virtually anyone to do. Plus I'd love ideas, so if you have any leave me a comment. :)