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2013 Goals, This Week's Plan, and Debt Payoff

January 1st, 2013 at 08:25 am

1. Pay Down credit card #1 to $750 by 12-31-2013. To do this, I need to pay off at least $100 a month. I will post our monthly progress.

2. Pay off credit card #2 by 12-31-2013. I need to pay off at least $50.00 a month. I will post our monthly progress.

3. Bring car savings to $2,000 by 12-31-2013. I really need to contribute a lot to this one, as our car is going to need replacing in the next year or two. I need to contribute at least $75.00 a month.

4. Minor and major house maintenance and repair. The two big things we are planning for the spring are getting the rest of the tuckpointing done on the south side of the house and planting an oak tree in the back yard behind the kitchen. The cost of the tuckpointing will come out of money we are already setting aside. We need $600 to do that and are setting aside $90.00 a month. It will probably March or April when we do that. The oak tree will be paid for out of our tax refund and money we are already setting aside. It will be about $150.00 to pay for the tree, delivery, and planting.

5. Continue making extra principal payments on the mortgage, even if it is only $5.00 a month. With the rest of our tax refund, we plan to make a large principal payment. We have a 30 year mortgage which we got in 2010. We want to have it paid off several years before I retire so I can ramp up retirement contributions.

5. Increase regular savings to $3,000. I want to have at least $12,000 in regular savings in five years. My expenses are approximately $2,000 a month, but could be cut somewhat in extreme situations. I am going the HR tomorrow in order to increase what I have going to savings out of my pay.

6. Reduce unnecessary spending. I am doing grocery shopping with cash, which has decreased my normally $170 or so weekly grocery bill to around $130. I am even stocking up on stuff I use a lot when I see it on sale or have a good coupon. I am also sticking to my routine of making my own tea at work with my tea bags and travel mug. I bring my lunch to work nearly every day, buying usually on paydays. I also did some gardening this past summer and plan to do the same beginning next spring. See #7 for more on this. These actions have helped to considerably reduce spending.

7. I plan to greatly expand my gardening venture next spring. This past summer, I only did tomatoes and basil and had a ball doing so. Growing my own food was not only satisfying, but tasty as well. I plan to add kale, onions, carrots, peppers, radishes, and spinach to my choices. Doing so will help me to become less dependent on the grocery store during the summer and also eat organically and locally grown food. I plan to continue growing kale next winter also. For some veggies, I will freeze some extra for the winter.

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This Week's Plan

This week I plan on doing some decluttering and gathering together paperwork for our taxes.

My menu plan is basically vegetarian bean soup, salads, dirty rice, and hummus. We normally eat oatmeal for breakfast. Here is the recipe I use for hummus:

Hummus
http://dedemed.com/print/print-recipe.php?article_id=92

I can't find the dirty rice recipe I use online right now. It's like it disappeared and I only have a printout.

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We have been making payments on 2 small medical bills dh had. They are considerably smaller than ones we paid off in 2011, but still have been a pain to get paid off. Now, I finally have a plan to get one paid off in the next week. The bill is $105.22. I have approximately $45.00 in checking right now that I will not use before Friday. Yea, me on vacation not buying stuff unnecessarily! I am going to take the rest out of regular savings. It will only take me one payday (this coming Friday) to make it back up. Paying it off will free up some money every month to put towards the credit cards and mortgage.

Another Payday and Food Challenge Plan

December 7th, 2012 at 12:32 pm

Hello, everyone. I got paid again today. My mortgage is down, but I have not updated my numbers on the left margin yet.

But I have made my food challenge menu plan for the coming week.

1) Mediterranean Kale Salad - 2 meals - http://allrecipes.com/personalrecipe/63344509/mediterranean-...

2) Vegetarian Chili - 3 to 4 meals - no real recipe here, just Williams chili seasoning, onion, 1 can of tomato sauce, garlic, 2 cans of tomatoes, and 6 cans of beans.

3) Pea Soup - 4 meals - http://www.forksoverknives.com/wp-content/uploads/Split-Pea-...

4) Chickpea Salad - 2 meals - Mine will be minus the bread. I will eat it with celery or carrots. http://www.thekitchn.com/vegetarian-lunch-chickpea-of-t-1140...

5) Creamy Avocado Tuna Salad - 2 meals - http://www.tablespoon.com/recipes/creamy-avocado-tuna-salad-...

6) Oatmeal. Side of ham. Grapefruit. - 4 meals

7) Scrambled eggs. Side of ham. Oatmeal. - 3 meals

Another Payday - More Debt Paid, More Saved, and More Home Repair Done

September 15th, 2012 at 11:31 am

Hi, everyone. I had to save my entry and run earlier, so I didn't finish with my financial update. We had a plumber install a new faucet yesterday. Normally, dh could have done it, but he is having a lot of trouble with his shoulder due to arthritis and I know nothing about plumbing.

I got paid again yesterday. I already paid the gas and electric bills and allocated for the car insurance and 1/2 of the mortgage. I made a payment on one of dh's medical bills and deposited more to car and house savings. I made payments to the credit card. I also got a rewards check from one credit card. I am using it to make an extra payment to the other credit card.

My goal with the car savings is to have it up to $5,000 by the Fall of 2013. I also want to get the house savings up to $1,600 by the spring in order to have the rest of the mortar on the south side of the house and all of the east side done. The tax refund should help out with these goals a lot. The dh is going to sell some of his video games to a second hand store. I don't think he will get a lot, but even if it's only $10.00 each, he has promised to put all of it on the credit card he charged his new computer to.

The dh is still on a salad kick, so that's why there are so many salad meals. The chicken soup is for my lunch. Here are my meals for the week.

1) Chicken Soup with chicken, onion, garlic, brown rice, cannellini beans, stock, carrots, celery. - 3 lunch meals - (using brown rice, spices I already had)

2) Thai Salad with whole grain rice and chicken. - 1 dinner meal - http://allrecipes.com/recipe/thai-salad-with-whole-grain-bro... (I already had olive oil, garlic, and onion. This recipe also calls for peanut butter, but I don't really like that taste in salad.)

3) Green Salad with Carrots and Cucumbers, and either chicken or ham - 1 dinner meal - (We already have lemon juice, olive oil, garlic, and carrots to make it.)

4) Quinoa and Chicken Salad - http://allrecipes.com/recipe/carons-kickin-quinoa-salad/deta... - 1 dinner meal (We already have the quinoa, lemon juice, and black pepper. This one is really good and fast to make.)

5) Grilled Chinese Chicken Salad Slaw. http://www.foodandwine.com/recipes/grilled-chinese-chicken-s... - 1 dinner meal - (We already have the ginger spice and olive oil. We are substituting lemon juice for lime juice and white onion for scallions.)

6) Oatmeal. Side of grapefruit. Side of ham. - 4 meals.

7) Eggs and ham with garlic, onion, and parsley. Sliced tomato. - 3 meals.

8) Mediterranean kale salad - 1 meal - http://allrecipes.com/personalrecipe/63344509/mediterranean-... This is what we had tonight. The dh loved it, and it's my "recipe" that I just made up on the spot to use up some 2 week old garlic cloves that I thought might go bad soon and leftover black olives.

9) I am not sure about the rest of the meals. Hmm...

Something else I am trying is using one of those reusable plastic cups with its own straw like this only I didn't buy it at Starbucks.

http://www.starbucksstore.com/cold-cup-kit-24-oz/bundleColdC...

I am making my own iced tea. Part of this is about my health. I have been using too much sugar and it is causing me problems and costing too much. For every day I don't buy iced tea, I will send extra dollar to the credit card. This will give me an incentive to pay it off quicker.

Another Payday - More Debt Paid and More Saved

September 1st, 2012 at 04:59 pm

Hello, financial savvy people. I got paid my third paycheck of the month yesterday. It is not turning out exactly the way I planned, but it is better than it would have been without any planning. Here is my plan for what to do with my third paycheck. The reality of what happened is in red.

1) $00 to regular savings in favor of paying off more debt
2) $100 to house savings - $140 spent on new faucet for kitchen instead, more than I expected
3) $100 to car savings - $40 added to car savings
4) $150 to cc - $100 to cc. I will be getting about $13.00 more to add to this courtesy of mrrebates and about $8.00 or $9.00 courtesy of cash4books. So, that gets me closer to my goal.
5) $200 set aside for mortgage - $161.61 set aside for mortgage - had intended to have $33.00 extra for the principal and $5.00 extra for the escrow, but wanted to get dishwasher (cc #1) paid off as quickly as possible, so compromised there. The credit card is a higher interest rate than the mortgage.
6) $240 for groceries - We were out of practically everything, so I have already spent about $150 out of the $240 two-week allocation I give myself for groceries.
7) $30 gas for car - spent $20.11 on gas
9) $50 water bill - water bill was $51.95
10)$7 cigarettes - spent $7.00 on ciggies for dh
11) $40 lawn mowing - allocated $40.00 for mowing, though I am not sure we need to do this much longer this year
12) $80 internet and landline phone bill - just switched over separate internet and cell bills to a combined internet and landline bill and it was more than I thought it would be - $105.86
13)$100 Miscellaneous - Who knows?
TOTAL $1097.00 I don't want to think about it.


Due to the unexpected expenses, I am trying to use my food as wisely as possible to get as much out of it as possible. I bought about 5 pound of chicken breasts and a pot roast. I also got 3 packages of Farmland ham. That will give me my meat for the weak. The rest is mostly raw veggies. I will also make some soup for my lunches. My meals for the week include:

1) Eggs and ham - 3 meals

2) Oatmeal. Side of grapefruit with stevia. Side of ham. - 4 meals

3) Chicken salad with green onions and cayenne pepper - 3 meals - (already had cayenne pepper)

4) Kale salad with beef, olive oil, cider vinegar, cranberries. - 1 dinner meal - http://allrecipes.com/recipe/kale-and-feta-salad/detail.aspx (I already salt. I am leaving off the feta cheese because I am allergic and substituting strawberries because I could not find currants. I will add some chicken strips. I can't seem to find the currants for this recipe in my area. So far, I have tried making it with strawberries and cranberries, and I must say that I vastly prefer the strawberries. Delicious. With beef is better also.)

5) Flat Iron Steak and Spinach Salad - 1 dinner meal - http://allrecipes.com/recipe/flat-iron-steak-and-spinach-sal... (I already had red onion, olive oil and red wine vinegar instead of wine. I left off the cheese. This one was delicious. We had it last night.)

6) Thai Salad with whole grain rice and chicken. - 1 dinner meal - http://allrecipes.com/recipe/thai-salad-with-whole-grain-bro... (I already had olive oil, garlic, onion, chicken, and peanut butter.)

7) Green Salad with Tomatoes and Cucumbers, and either chicken or ham - 1 dinner meal - (I just made this one up. We already have lemon juice, olive oil, garlic, ham, and chicken to make it.)

8) Quinoa and Chicken/Tuna Salad - http://allrecipes.com/recipe/carons-kickin-quinoa-salad/deta... - 1 dinner meal (We already have the quinoa, mayo, lemon juice, black pepper, chicken, and tuna. I haven't decided whether to make it with chicken or tuna, but either way, it should be good.)

9) Grilled Chinese Chicken Salad Slaw. http://www.foodandwine.com/recipes/grilled-chinese-chicken-s... 1 dinner meal - (We already have the ginger spice, and olive oil. We are substitution lemon juice for lime juice and white onion for scallions.)

10) Chicken Soup with Rice. Already have brown rice, broth, carrots, onions, salt, and pepper.

Last Week a Costly Week, Another One Coming Up

August 26th, 2012 at 12:17 pm

It's a good thing I had a plan on how to spend my "extra" pay this month instead of just spending it willy-nilly because I get paid ever 2 weeks rather than twice a month. The first thing involved the fact that we had a water filtration system hooked up to our kitchen faucet and had had for most of the two years we have lived in the house. The water from the filter creates too much pressure in the faucet and so it leaks. The first thing the plumber told was that we will definitely need to replace the faucet, but first he hooked up the filter to a separate water line which involved drilling a hole in the stainless steel sink to the left of the faucet. That stopped the cause of the leak and it works great. It cost $150 and that came out of the money I had planned on putting into the house savings account for last payday. The plumber said if we buy a Delta faucet, it will have a lifetime warranty and will probably cost around $150, maybe less. We will get that with my next payday on the 31st and can install it ourselves. In addition, our dishwasher died last week. We bought a new dishwasher with our credit card #1. We also have to pay to have it installed. I will work hard to get cc #1 paid off quickly. To help that along, I will use what I planned on being an extra principle payment to the mortgage to go towards cc#1. In addition, the $40 that is auto deposited to regular savings on payday I will divert to cc#1 in addition to the $150 payment I was going to send anyway. Because we are a little skinny on our bank account, I decided to do what I could with our meals to use up what we already have. The hubby also specifically requested we eat entirely meal-sized salads for our dinners, which made this even more of a challenge. It is really weird of him to request salad at all, but for every dinner meal is odd. I am not complaining, though, as he is not a veggie eater.

1) Eggs and ham - 3 meals

2) Oatmeal. Side of grapefruit with stevia. Side of ham. - 4 meals (I already had oatmeal.)

3) Chicken salad with apples, ginger, mayo, ginger, onion, and celery. - 3 lunch meals for me (I already had mayo and chicken.) http://allrecipes.com/recipe/chicken-salad-my-way/detail.asp...

4) Kale salad with beef, olive oil, cider vinegar, strawberries, walnuts, and salt. - 1 dinner meal - http://allrecipes.com/recipe/kale-and-feta-salad/detail.aspx (I already had kale, olive oil, cider vinegar, and salt. I am leaving off the feta cheese because I am allergic and substituting strawberries because I could not find currants. I will add some beef strips.)

5) Flat Iron Steak and Spinach Salad - 1 dinner meal - http://allrecipes.com/recipe/flat-iron-steak-and-spinach-sal... (I already had red onion, olive oil and red wine vinegar instead of wine. I left off the cheese. This one was delicious. We had it last night.)

6) Thai Salad with whole grain rice and chicken. - 1 dinner meal - http://allrecipes.com/recipe/thai-salad-with-whole-grain-bro... (I already had olive oil, garlic, onion, chicken, and peanut butter.)

7) Green Salad with Tomatoes and Squash, and either chicken or ham - 1 dinner meal - (I just made this one up. We already have lemon juice, olive oil, garlic, ham, and chicken to make it.)

8) Quinoa and Chicken/Tuna Salad - http://allrecipes.com/recipe/carons-kickin-quinoa-salad/deta... - 1 dinner meal (We already have the quinoa, mayo, lemon juice, black pepper, chicken, and tuna. I haven't decided whether to make it with chicken or tuna, but either way, it should be good.)

9) Leftover Baked Chicken. Cucumber Tomato Salad. Side of apple. 1 lunch meal for me.

10) Grilled Chinese Chicken Salad Slaw. http://www.foodandwine.com/recipes/grilled-chinese-chicken-s... 1 dinner meal - (We already have the ginger spice, and olive oil. We are substitution lemon juice for lime juice and white onion for scallions.)


Got Paid Again and Other $ Stuff

July 21st, 2012 at 01:21 pm

Hello, everyone. I got paid on Friday. I also got official notification that I got a raise of about $1100 per year. Not spectacular, but it is definitely something. I put more money into savings. I have paid the credit card #1. Credit Card #2 does not have a payment due until next month. I bought groceries. Hubby and I have to make a day trip out of town on Wednesday. I will send more to the credit card on Wednesday.

I also took my spare change for the last couple of weeks and cashed it in. I divided it up and deposited it into the car and house savings.

My meals for the week include:

1) Oatmeal with stevia, almond milk, flaxseeds, and cinnamon. Orange. (4 meals)

2) Eggs and ham. Side of oatmeal. Grapefruit. (3 meals)

3) Goulash. Side of steamed veggies. (3 meals)

4) Chuck patties. Side of steamed veggies. (1 meal)

5) Green salad with chicken pieces and greek dressing. (1 meal) This is a dinner meal for me and dh.

6) Green sald with garbanzo beans or canned chicken. Added tomatoes, onions, and cucumbers. Vinegar and oil for dressing. (3 meals - lunches)

7) Baked breast of chicken. Side of steamed veggies. (1 meal)

8) Chili with beans. (2 meals)

9) Egg salad with crackers and veggie pieces. (2 meals)

1 Week Til Payday

July 14th, 2012 at 12:19 pm

Hello, everyone. It is one week until payday and I have $35.93 left in my checking account. I have already accounted for Netflix, 1/2 of the mortgage (due 8/1/12), and biweekly mowing. I filled up the gas tank and paid a little extra to credit card #1. Well, the biggest news is that the hubby and I applied for a different credit card with a 5% lower rate. We are going to keep the old one, though, and only charge our Netflix to it. We had already asked for the balance transfer to the new card when I had to take the hubby to the ER in the middle of the night and were a little short on cash. So, the majority of the balance is on the new card with a much lower rate. It should not take long to pay it down to a much more reasonable level.

Here are the meals I have planned for the week:

1) Oatmeal with cinnamon, flaxseeds, almond milk, stevia. Orange. Side of ham. 4 meals

2) Eggs and ham. Side of oatmeal. 3 meals

3) Green salad with tuna or garbanzo beans. Side of orange or apple. Side of raw snack nuts. 3 meals

4) Chicken salad with mayo and raw veggies. Side of orange or apple. Side of raw snack nuts. 2 meals

5) Chicken breast. Side of steamed veggies. 2 meals

6) Angus chuck patties. Side of steamed veggies. 1 meal

7) Stir fry with chicken and veggies. 1 meal

8) Lunch out!

Got Paid Again and Other $ Stuff About My Amazing Day

July 7th, 2012 at 11:56 am

Yesterday was my first payday of my employer's new fiscal year. I guess my pay raise must have gone through because my check was $29.75 higher than before. Woo-hoo. I will start putting even more into savings that I have already been. I will also increase what I am paying to the credit card.

My regular savings account is up, as are my car, savings accounts, and retirement.

I bought some angus chuck patties on sale and with a $1.00 coupon at the store. That in itself was very good, but it gets weirder. The patties were 2 pounds of frozen meat patties packaged in a box. The original price was $8.99. There was a sign that said they are on sale for $7.99 and I had a $1.00 coupon. I am thinking this is a pretty good deal, because I had wanted to buy some hamburger and these were chuck patties, not regular ground beef, so I bought them. Then, I noticed my receipt said I was charged for $8.99 minus the $1.00 coupon. I approached Customer Service to make them aware of the problem. Apparently, the patties had been on sale, but someone forgot to remove the sign. I thought they might give me the $1.00 back, but I didn't expect anything else. Then, the lady told me they have a policy where if a customer catches a mistake, the customer gets the item free. Yes free! I said that's terrific, because I wasn't expecting anything more than $1.00 back. I told the dh and he thought it was great, too. With $3.00 out of the $6.99, I bought some fresh spinach, oregano, and parsley at a different store.

I also cashed in a lottery ticket for $4.00. I added that to $3.00 more dollars I had just laying around. Along with my normal $20.00 each deposits to the house and car accounts, I divided up the extra $7.00 between the two accounts.

Here are my meals for the coming week:

1) Stir Fry made from leftover rice, squash, and tomatoes. 2 meals. This stuff would have gone bad soon if I had not done something with it, so this is a real boon to my budget!

2) Meatloaf. Side of steamed veggies. 2 meals

3) Spaghetti with rice. 2 meals

4) Baked chicken breast and steamed veggies. 2 meals

5) Green salad with tuna or garbanzo beans. Side of apple or orange. Side of raw nuts. Iced tea. 3 meals

6) Angus chuck patties. Side of steamed veggies. 2 meal

7) Eggs and ham. Oatmeal. 3 meals

8) Oatmeal with side of ham. Side of grapefruit. 4 meals

9) Tuna salad with raw veggies. Side of apple or orange. Side of raw nuts. Iced tea. 2 meals

Had the Whole Week Off - Wheee!

May 18th, 2012 at 05:43 pm

Hello, financially savvy friends and neighbors! I had the whole week off for vacation. Yeah! But don't worry. I wasn't using that opportunity to spend, spend, spend. In fact, I spent most of it at home. I watched some old tv episodes and movies on Netflix, played with my cats, did some catchup filing of receipts, cleaning my house, cooking, and shredding of receipts I no longer needed. Wow. My house really needed some decluging. It needs a lot more. Maybe I will work on it more tomorrow. I will be back to work on Monday.



As always, I am a constant quest to save money and eat more healthy also. I am also trying to eat some meatless meals to see if that helps. Here are my meals for the coming week:

1) Meatloaf with side of veggies - 2 meals

2) Roast beef with side of veggies - 2 meals

3) Oatmeal with raisins, flaxseeds, almond milk, and honey. Juice. Side of ham. 4 meals

4) Scrambled eggs. Juice. Oatmeal with flaxseeds, almond milk, and honey. 3 meals

5) Spaghetti sauce with rice. Side of veggies. 2 meals

6) Lentil Rice Pilaf. Side of raw veggies. 2 meals http://www.food.com/recipe/lebanese-lentil-rice-pilaf-with-b...

7) Spinach salad with tomatoes, flaxseeds, sliced almonds, and tuna (or lentils). Vinegar and oil for dressing. Side of orange or apple. 4 meals.

8) Hamburger patty. Side of veggies. 1 meal

Another Payday, More to Savings, Hubby's Upcoming Trip, and Other Random Stufff

April 28th, 2012 at 07:03 pm

I got paid yesterday, so more went to savings and retirement. I have already paid the water bill, trash bill, and bought gas for the car. I still have to make a payment to the credit card. I have already bought groceries and will begin my weekly cooking spree tomorrow morning.

I will have all-day meetings on Monday and Tuesday and the entire afternoon on Wednesday. Ugh. No fun.

The other cool thing is that I finally got my garden going. I had to work really hard to get the holes dug, Zoom fertilizer put in, and water and compost put in with the plants in. It was starting to pour rain when I had only 2 out of the 4 plants in the ground. They look great and the guy at the farm store swears by the Zoom stuff for making tomato plants produce lots of tomatoes. My goal is to become less dependent on the grocery store so that I can spend more money on getting out of debt, saving for retirement, and fixing up my house. Plus, I will be able to eat vegetables I grew myself that are not polluted with chemicals, so yea!! The weird thing about my garden is that I had a couple of four-legged visitors to my garden (dogs). I just hope they don't dig up the plants!

Hubby is leaving on a 2 day trip tomorrow at about 12:00 just after lunch. He should be back by the early evening on Monday.

Like I said, I have already done the shopping for food and such. After planting those tomatoes today, I was beat and could not manage to do any more cooking but make meatloaf. So, I will start tomorrow with making lentil soup. I will also making some tuna/egg salad for the hubby to eat as a sandwich before heading out on his trip. I will also make some spaghetti sauce and put together salads for my lunches. Here are my meals for the week:

1) Spinach salad with tomato, onion, and tuna or chicken. 3 meals

2) Lentil soup with ham, onion, seasonings, and broth. 4 meals

3) Leftover chicken noodle soup. 1 meal

4) Chicken breast and steamed veggies. 1 meal

5) Hamburger patty and steamed veggies. 2 meals

6) Oatmeal with banana, almond milk, honey, cinnamon, and flaxseed. Side of ham. Juice. 3 meals

7) Eggs and ham or chicken, grapefruit with honey. Side of ham. 4 meals

8) Meatloaf and steamed veggies. 2 meals

Conference Update

April 6th, 2012 at 03:55 pm

My hubby had previously stated he wanted to come with me on the conference trip, so I had budgeted for that (food for 2 people, etc.). But now, he has decided he doesn't want to. Yeah for me! Because I can eat where I want and what I want. Translation here: somewhere much less expensive. He always wants to eat at somewhere kind of like an Applebee's, which can be expensive. So, the cost of food will be at least 1/2 of what I budgeted for. So, whatever funds are leftover out of the budget I plan on sending directly to the credit card with no stops in between. I have a $20 gift card for Darden Restaurants, the company the owns restaurants like Red Lobster, Olive Garden, etc., but I would really rather just go to a local grocery store and buy a salad off the salad bar. So, I figure I can get my first evening meal there for about $15.00. No problem. The hotel I am staying at has breakfast for free. I am also taking along some of my own food to compensate for food allergies and just because it's cheaper to buy them at a grocery store than most other places. So, I will have a small bag with 4 bottles of iced green tea, 4 packages of snack nuts, my travel mug, and gluten free oatmeal. My second meal will be a work meeting with a company my work deals with and should be no more than $10 or $15. The gas will probably be $50 to $75 and the car rental $140. My conference registration is already paid for. As much as I hate, no matter what I spend, I will only get back $122.00. Ugh. But I will also funnel that directly to the credit card.

Got Paid Again. Savings Up. Retirement Up. Debt is Down! Yeah!

March 17th, 2012 at 09:23 am

Hello, everyone. I am starting to love payday. I used to hate it, because that's when I would see a mass amount of my money vanish from my bank account to debt and stuff I didn't really need. But things are looking up and that's good, very good. For example, the hubster and I have gradually migrating our entire house's light bulbs to LED. At first, they were a little expensive, so we would buy 1 bulb a month or something. But the price has come down to about $10.00 a bulb lately. And no, I do not want to discuss CFLS AT ALL. The mercury is bad for the environment, so I don't care how cheap they are. Anyway, on payday, I was paying the electric bill and wanted to see what impact this has had on the electric bill, because we had replaced 4 bulbs last month. From one month to the next, it went down 150 kilowatts! Wow. That's amazing! We just replaced 4 more on Friday, so I can't wait to see what happens next month.

My retirement account has increased quite a bit in the last few months. My house and emergency savings were somewhat depleted due to the need for tuckpointing on our house. Without it, we could have had serious structural issues down the road.

In the second week of April, I will be attending a professional conference in my state. It should only cost around $400 or so to attend, but I will only be reimbursed for $122. My professional savings account will be cleaned out for that. Ugh. Bummer. But I already have a plan for that reimbursement loot. I have agreed when I get my reimbursement that we will buy a ladder so that we can do some maintenance around our house a little easier. Changing light bulbs in some rooms and also outside is impossible without a ladder.

Well, I am still continuing my Food Challenge to be not only healthier but also financially free. Here are my meals for the week:

1) Spinach salad with cucumbers, onion, tuna, olive oil, apple cider vinegar. Side of walnuts and an orange. (3 meals)

2) Chicken salad with onion, salt, and pepper. Side of walnuts and an orange (2 meals)

3) Eggs with ham. Either omelets, scrambled, or fried over hard. Add seasonings and veggies. Smoothie with almond milk, flaxseed, oranage juice, and banana for a side. (3 meals)

4) Oatmeal with honey, raisins, almond milk, and cinnamon. (4 meals)

5) Stew made with ground bison meat, carrots, onions, black beans, and brown rice. (3 meals)

6) Spaghetti made with ground chicken, tomatoes, tomato paste, onions, mushrooms, and seasonings. (2 meals)

7) Chicken breasts and side of vegetables and rice. (2 meals)

Update

March 4th, 2012 at 02:03 pm

Hello, everyone. I have been away for awhile, so that is why I have not been posting. Life has been so hectic here with my job and stuff, it has been tough to keep up.

Anyway, I am still hard at work on eliminating debt, including the credit card and mortgage. I had to basically empty the house savings and also take some out of regular savings in order to get some tuckpointing done on our house. I would have liked to have waited awhile on it, but it was very bad, and unfortunately, only a fraction of what is needed to be done. We waited until our tax return arrived ($1048) and also some survey money (can't remember the amount), then I transferred money from regular savings and house savings to checking to total $1800. That was the amount of the first price quote from a masonry contractor we got. After putting together all the money, somehow we could not get in touch with the contractor. Bad news, but we did find someone different that was highly recommended.

The quote from the second contractor was $600 LOWER than the first. Wow! We were a little cautious, though, as we wondered about the quality of his work. He finished the job and it is superior to say the least - well worth $1200, so we are very pleased and told him we would contact him again in about 6 months or so to begin work on another section of the house.

With some of that "excess" $600, I paid off 3 small bills which will help to free up some cash on a monthly basis to pay off other things. The rest I put back into the house account. I will update the balance in a day or two.

Well, in order to keep pounding away at paying off debt and getting home maintenance done, I have to lower expenses, especially for food. I have been growing some herbs for cooking in a small terrarium. I am working on creating compost in the backyard and will be planting some organic tomatoes, carrots, kale, squash, and cucumber in the spring. I would eventually like to not have to go to the grocery store for produce. This will save serious money, not to mention make sure that I get healthy produce.

I am also giving up drinking soda for the sake of my health, but also money. I will be drinking more green tea, water, and homemade juice instead.

I am also continuing my food challenge. Here are my meals for the week. There is enough here that I will likely have leftovers for next week.

1) Chicken salad - 17 ounces canned chicken (1 can of 12 ounces and 1 can of 5 ounces), 3 tbsp of generic Miracle Whip, 1 bunch of chopped up green onion, and a sprinkle of cayenne pepper. I had actually planned on making chicken soup, but decided I wanted something different. I had bought too much green onion and this turned out to be just the ticket to use it up. (3 meals)

2) Black Bean Soup - 1 pound dried black beans, 1 large onion, 1 bunch chopped green onion, 1 can drained diced tomatoes, 1/4 cup of parsley, 1 tbsp cumin, 1 tbsp cayenne pepper, sea salt, black pepper, and 1 can refried beans. (8 meals) I base this soup on this recipe, but I use chicken broth and also add 1 can diced tomatoes and 1 can of refried beans to thicken the soup: http://www.dadamo.com/typebase4/recipedepictor7x.cgi?840

3)Eggs and Sausage - (3 meals)

4)Whole grain oatmeal with flaxseeds, almond milk, raisins, and honey (4 meals)

5) Hamburger patty with ketchup and a side of veggies (1 meal)

6) Meatloaf (1 meal)

7) Spaghetti with meat sauce (2 meals) - I eat mine with brown rice.

8) Tuna salad with carrot sticks and gluten free crackers. Side of apple or orange. (2 meals)

Oh, we also won $4.00 on Powerball. I cashed that in for cash. I also took a bunch of spare change to the Coinstar and cashed it in. It totals up to $8.00, which I will deposit to regular savings. I am also depositing $100 to the professional account for a conference I will attend in April and $40 to the car account.

Got Paid Again, More Debt Paid, and Other Stuff in My World

November 12th, 2011 at 07:03 pm

Well, I got paid again. The gas, electric, credit card, and car insurance have all been paid for. I have also allocated for 1/2 of the mortgage. Those are all the bills I have due until next payday. Because of the upcoming holiday, my next payday will be 11/23 instead of 11/25. I have also bought groceries, health supplements, put money aside for replacing my car, and got the gutters cleaned out. You might also notice that my regular savings balance is not going up. That is because after my balance broke $1000, I started sending that money to the credit card instead of keeping it in savings. I am planning on allocating a total of $160.00 per month between my normal payment out of checking and the reallocated savings deposit towards paying off the credit card then starting putting money into savings again. My tentative schedule shows the target payoff date as next October. While I would like to allocate all extra money to the credit card, I also absolutely have to set aside money to replace the card in the next couple of years, as it has several things wrong with it. Most are some minor and just annoying, but the big one is that the heating/ac switch does not work right. Our mechanic said he could replace the switch, but Pontiac does not make them anymore and he was not able to find one from a salvage yard. He manually switched us over from cooling to heat, so we will be good until it gets warm next summer when we could try again to replace the switch. We would like to get a new car or certified preowned car and have the money set aside be equal to at least 1/2 the cost of the car. I don't want us to be locked into huge car payments, so I am doing my best to come up with as much as possible.

I did pretty well with my paleo challenge last week. I ate oatmeal one time when I sort of woke up late and didn't have time to make any eggs. Oh, well, I will do better this next week. I feel really amazing and have a lot more energy. Since I have been eating gluten free for over a year, it was not that big of a challenge. I just eliminated oatmeal, bread, and crackers. Apparently, brown, wild rice is okay in small amounts, though.

Here are my meals for next week:

1) Meatloaf - 2 meals

2) Top Round Roast - 3 meals

3) Eggs and Ham, Smoothie with almond milk, cocoa, stevia, flaxseeds, banana - 3 meals

4) Almond Butter on an Apple, Carrots, Trail Mix - 1 meal

5) Beef Stew w/ onions, carrots, mushrooms - 3 meals

6) Chicken Soup w/ brown rice, Rice, Onions - 3 meals

7) Green Salad w/ chicken, Avocado, Tomato - 3 meals 1 Done Tonight

8) Chicken Leg Quarter, Steamed Veggies - 3 meals

Food Challenge and Other Stuff

November 6th, 2011 at 01:35 pm

Due to a minor miscalculation, I had to move a little bit of money from a savings account to checking. It is not any of the savings accounts on my sidebar, but one where the dh hoards $ for video games and other stuff he wants to buy. I hated to do it, but we might be overdrawn by Friday if I didn't. I have already set up an automatic transfer from checking to savings for the same amount to make sure the money gets back there.

Oh, well. On to other news. Here are my meals for the coming weak. You might notice I am not planning to eat oatmeal this week. I think grains are becoming a little problematic for me, so I am going to cease eating them for at least a week to see what happens. It's going to be a little weird, but I will probably be eating stuff like pot roast, beef stew, and stir fry for breakfast in order to go grain free. I will also eat eggs, but can't eat them every day.

1) Pot Roast - will make at least 2 meals

2) Beef Stew - will probably make 3 meals - 1 Done Tonight!

3) Eggs and ham - 2 meals

4) Spaghetti Sauce - 1 meal - I may subsitute some broccoli or something for the noodles.

5) Chili - 3 meals

6) Chicken salad and carrot sticks - 1 meal

7) Green salad with chicken, onions, and tomato - 3 meals

8) Chicken stir fry - 2 meals

9) Almond butter on carrot sticks and apples - 1 meal

10) Leftover 13 bean soup w/ ham - 2 meals - 1 Done!

Food Challenge This Week

October 23rd, 2011 at 01:43 pm

Well, we are a little low on cash. Counting the $273.31 allocation for 1/2 of the mortgage and Netflix, we have $.08 left in checking. Neither have been actually debited from our account, just allocated for. Making the house payment is easier for me if I allocate 1/2 in the first paycheck and 1/2 in the second. If I have a third paycheck, then I pay a little extra. My challenge this week is to get through the week without using my debit or credit card once.

Here are my meals planned out for the week:

1) meatloaf - 2 meals, one meal with baked potatoes made only 1 meal!

2) Omelets or scrambled eggs, side of chicken or ham - 3 meals 1 Down, 2 to go

3) 13 bean soup with ham, onion, tomatoes, and spices - 4 meals 1 Down, 3 to go

4) oatmeal - 3 meals 1 Down, 2 to go

5) leftover chili spaghetti casserole - 3 meals 1 Down, 2 to go

6) spaghetti over rice - 1 meal

7) salad with a side of leftover chili - 1 meal

8) chicken salad w/ side of crackers and carrots - 1 meal Done

9) gluten free lunchmeat sandwiches

10) lunch out on 10-28-2011!

Update on My Trip, Debt, and Savings

June 6th, 2011 at 12:12 pm

Well, I survived with no major catastrophes. However, while ironing clothes in my hotel room last Friday morning, I burned myself with the iron. It will probably take a couple of weeks to heal, but it's okay and does not even hurt. It itches a lot, though. I also managed to something get my neck vertebrae out of place and had to go see the chiropractor. I sounded a lot like a popcorn machine when he put them back in.

As for the financial news, you will note in my list of the debts to the left, hospital bill #1 is PAID OFF. After I got back from my trip, I found that I had some money in checking that I had allocated for the trip left over. So, I immediately wrote a check to pay off the hospital debt. It feels great. I had planned on paying it off with part of my reimbursement from the trip, but this is even better. It's like found money.

I also had $6.00 in cash left over from the trip. That money went to the regular emergency savings account, bringing the balance to $522.43! I am loving this!

Also, I got a $20.00 survey check in the mail today, so I deposited it to checking without delay and scheduled a credit card payment for the same amount.

I managed to do fine with eating on my trip. I was a little bit afraid I would not be able to find gluten free food to eat, but there was a market close to the hotel where I bought cereal, bagels, almond milk, fresh fruit, lunchmeat, peanut butter, and bottled water to eat. It cost a whole lot less than going out to eat. Most of the cash I took with me went for food at that grocery store. I am so proud that I never whipped out the credit card and only used the debit card 4 times, so I was way under budget.

Upcoming Trip and Food Challenge

May 28th, 2011 at 01:27 pm

Well, I leave by Greyhound bus on a trip to St. Louis for a conference. So that I don't sidetracked into eating lots of junk food and spending lots of money, I am taking all my own snacks. It's a 6 hour bus ride and it leaves at 5:00am, so food is essential. Because of my food allergies, I can't depend on finding food I can eat at the places a bus is likely to stop. So, I have packed Larabars, single serving raisin packets, and single serving nuts. I am also taking a bottle of water and 2 sandwiches.

My bus ticket and conference registration are already paid for. I already have money allocated for the hotel bill and any other food I will buy. I'm so excited!

I don't leave for the trip until Thursday, so I still have to make some food to eat from now until then.

1) Salmon and gluten free pasta salad with salt, pepper, and garlic (3 meals)

2) Spaghetti sauce with rice (1 meal)

3) Stir fry with chicken, peppers, onion, garlic, salt, pepper, and hot chili sauce (3 meals)

4) Oatmeal with raisins, cinnamon, almond milk, and honey (4 meals)

5) Beans and rice - I am not sure how many meals I will get out of this. I have never made it before and have to look up a recipe.

6) Breakfast at the hotel during my conference - The hotel serves free breakfast, but some of it I won't be able to eat. I will probably be able to eat some fruit and hot tea, but I will have to buy my own cereal and almond milk at the store. (3 meals)

7) Dinners at the hotel during my conference - The hotel also serves free dinners, out of which I will probably be able to eat a salad, baked potato, and some kind of drink. I will probably have to buy some gluten free lunchmeat at the nearby grocery store. (3 meals)

The fact that the hotel serves both breakfast and lunch is an extremely major deal, because my college gives us a per diem (a meal allowance) for attending conferences. Since I don't have to pay for many of my meals, they will reimburse more of my other costs, like conference registration and bus ticket. I am keeping track of all costs on a printed spreadsheet and, of course, keeping all receipts.

7) I will be eating out for any meals not accounted for above. This will probably include my lunches while at the conference. I don't know what they are serving, or even if anything will be available. I have money for that, though, so it's not a problem.

Food Challenge Update

May 15th, 2011 at 12:58 pm

Well, I am doing really well with my Food Challenge. Except for an occasional iced tea or soda purchase, I have not really bought a meal out except sometimes on the Fridays when I get paid, I will buy lunch and later dinner with my husband. Because I had to attend graduation at my university on Friday, I did not have dinner with my husband, but ate dinner in my office and then went to graduation. Hubby ate a pizza. Arrgh! But he wanted something, and bless his heart, he his been eating oatmeal and boiled eggs for breakfast every day and "rabbit food" with chicken or tuna for lunch and dinner. Have I mentioned he hates rabbit food?

So, my meals for the coming week will be the following:

7 servings of ham and bean soup (homemade) - see link to recipe below

6 servings of oatmeal with raisins, honey, almond milk, and cinnamon

2 servings of chicken and pasta salad

3 sandwiches with Hormel Naturals Ham on gluten free bread with mustard

1 sandwich with almond butter on gluten free bread

1 serving of spaghetti made with rice instead of wheat pasta

Oh, and on the ham and bean soup, I have been dying to have some for ages. I have never made it on my own and while my mother makes it frequently, I have no idea what her recipe is. Recipe? She hardly ever uses recipes or measures anything. Anyway, I wanted to make some and found a recipe online for a basic ham and bean soup. I have to say that for my first try, it is a really excellent soup and way better than the lentil soup I tried around a month or so ago. Oh, and for my fellow frugal eaters, it is a very cheap soup to make, because most of the ingredients are things you might already have at home. I made a big 6 quart pot and that came out to 7 servings. Here is the link to recipe. I did change it up a bit. I did not use a ham bone, but just bought 1 pound of Boar's Head ham from the deli because I need to use meat that is free of gluten and msg. I also did not use a bay leaf, as I don't have any and didn't want to buy it just for this.

http://allrecipes.com/Recipe/basic-ham-and-bean-soup/Detail....

Improvisation on Tonight's Dinner

April 25th, 2011 at 07:49 pm

Well, I had made up chicken salad for 2 meals worth this week. But tonight, when I got home, I just could not stand the idea of chicken salad. Besides, I had no bread and was going to have to make do with carrots sticks. I improvised by boiling up some gluten free pasta and mixed the chicken salad in with a little extra mayo and spices. Even my hubby tasted it and said it was delish and he hates gluten free pasta, but he is on a diet to lose weight, so he had to eat a tuna sandwich. So, my improvised dinner was a success.

This Week's Lunch Challenge

April 24th, 2011 at 10:37 am

I only had a few hours today to put together my meals for lunches and dinners for this week. I have to work from 3-6 today. I also put together my hubby's salads and boiled some eggs for him to eat.

Here in my lunch challenge for the week

6 servings of beef and vegetable stew - 2 Done!

2 servings of chicken salad with boiled egg - serve with raw veggies 1 Done!

1 serving of lentil soup

4 hamburgers - serve with steamed or raw veggies 1 Done!

5 servings of oatmeal 1 Done!

4 servings of Corn Chex 1 Done!

Payday, Debt Payoff, and Lunch Challenge

March 19th, 2011 at 02:40 pm

Hello, everyone. I got paid again on Friday. More money went to savings and retirement. Speaking of which, I need to update those numbers. Done as of 5:11pm on 3-19-2011.

The repairs to the car should be complete on Wednesday and we can go pick it up. That will be a relief. Hubby and I agree we should immediately start saving for a replacement car. We thought seriously about getting a different car now, but everything we looked at was out of our price range and we did not want to go into debt for a car so shortly after buying a house. I also added more money to the Conference Challenge. I cashed in some survey points, which will get added to the Conference Challenge.

I also hit another major milestone. I PAID OFF HOSPITAL DEBT #2!! Woo-hoo!



This debt was close to $10,000 in 2006. My husband had no insurance and I had to take him to the ER. He has insurance now thanks to my pointing out it might have cost less than 1/2 that if he had had insurance.

In other news, the Lunch Challenge continues. Next week, it is Spring Break at the college I work at. I will be working Monday and Tuesday, but Wednesday through Friday I will be on vacation. My progress so far this much is that I have eaten lunch out once on last Friday. I spent about $10.00. I also bought ice tea or soda several times, but I bring my own cup which makes it cheaper because they give a discount for that. Here are my lunches for next week:

Monday, Tuesday, Thursday - leaf lettuce salad, carrots, cucumbers, tuna in foil packet, oil and vinegar for dressing, orange or apple, water

Wednesday - Wednesday is the day we expect to pick up our car, so I think we may go out to lunch to celebrate

Friday - maybe an almond butter sandwich on gluten free bread, orange, apple, carrots, water

Another thing I have planned to do on Wednesday is to go to Home Depot and buy stuff to fix our toilet that runs frequently. Our last water bill is $60 and we only have 2 people living in our house. I think the water bill should be about 1/2 that much. Have any of you ever fixed a running toilet? Is it difficult?

Lunch Challenge Continues

February 26th, 2011 at 02:59 pm

Because of some minor emergencies, the checking was REALLY low when I went shopping yesterday, so I wound up putting the groceries on the credit card.

Oh well, the Lunch Challenge continues. This coming week I am having spinach salads with tuna for my lunches. I have been taking my own fork or spoon for my lunches for weeks. It is a small act sustainability, but I also have 4 other people doing it, too. If enough people do it consciously, we could save our organization a considerable amount of money.

I already had 2 foil packs of tuna from another time which I did not use then. I bought 3 more packets.

Salads: Spinach, sliced, fresh mushrooms, grape tomatoes, sliced carrots, onion, olive oil and vinegar (Yum!)

Sides and Snacks: Yellow delicious apple, handful of cashew nuts, 2 spoons of organic almond butter

This Week's Lunch Challenge is Hot Stir Fry

February 20th, 2011 at 10:16 am

I decided to spice up my stir fry and came up with this recipe. It's kinda spicy, a lot of like jalepenos, so if you don't like spicy, you could use gf soy sauce or something else if you like.

2 lbs. chicken (I used fresh, but you could use canned)
3 cups fresh stir fry veggies in a bag from the produce aisle
2 cups shredded cabbage
1 onion
olive oil
salt, to taste
pepper, to taste
rice
garlic, to taste
chili sauce (I used about 1/4 cup) - I found it in the oriental food section of my grocery store.

If the chicken is fresh, cut up into about 1 inch pieces. Put some olive oil into the pan and cook the chicken until golden brown. In the meantime, dice the onion and any other vegetables. Toss into the skillet and mix well. Add seasonings and chili sauce. Simmer on low 5 to 10 minutes. Serve over rice. Delicious and spicy.

The Lunch Challenge is Still On

February 6th, 2011 at 05:43 pm

Well, last week, I brought my lunch every day I went to work. I say it like that, because 2 of those days my work was cancelled, so I stayed home. I was basically snowed in, because the roads were terrible, so I did eat my lunches at home. I did get paid for those days, though, so that's good. For the days I went to work, I did buy an iced tea at lunch time, but that was my only real food spending.

And so the lunch challenge continues. I am constantly on the lookout for new recipes and things to eat. My palate gets bored easily. Here's the original recipe that I decided to use.

http://gingerlemongirl.blogspot.com/2011/01/gluten-free-one-...

I read this recipe on the GingerLemonGirl blog that has ground turkey, quinoa, carrots, and spinach in it. I modified it by substituting other ingredients such as cut up chicken breast, frozen broccoli, brown rice, and turmeric. I couldn't find quinoa anywhere, I already had 2 lbs. chicken on hand, and I don't really like cooked spinach. It has kind of an Indian flavor to it. After dishing it up into serving size containers for my lunches, I had some left over, so I gave some to my husband for lunch. He doesn't even like veggies or rice much, but he loved it. Anyway, here's the recipe as I modified it.

1 cup uncooked rice, quinoa, potatoes, or pasta
2 lbs. cut up chicken breast
olive oil
3 carrots cut up lengthwise
1 onion, cut up
2 cups broccoli, fresh or frozen
1 tbsp turmeric
salt and pepper to taste
garlic
red pepper flakes

This actually wound up being a 2 pot meal for meal because I cooked the rice in a separate pot. Cook rice or other product according to package directions. Cut up vegetables. Fry chicken in a pan with olive oil. Add seasonings and vegetables. Simmer for 5 minutes or so. Mix with rice. Serve. Made about 7 servings for us. Adjust the spices and veggies to your taste and food tolerances.

February Goals Check-in and the Lunch Challenge

January 30th, 2011 at 06:30 pm

Howdy, financial friends and neighbors. I am plugging right along with getting my goals accomplished.

I am right on track to pay off Hospital Debt #2 in March. Because the last payment will only be $52.00, I will have $25.00 to spare. I think I will put this towards my car repair fund. After March, I will put the whole $75.00 to my Conference Challenge until June, then start whacking away at the credit card debt.

I am going to a conference in June with funds I already have put aside. With my reimbursement from work, I will pay off hospital debt #1 and the lawn mower debt. I will have some leftover, which I will probably slap on the credit card.

This coming Friday, I am planning on taking the afternoon off and going to the hardware store for parts to repair our toilet. It runs frequently, and as evidenced by our recent $55.00 water bill, it is costing us money. I also plan on buying some expanding foam to fill in some holes in our walls that are probably making our gas bill higher.

My lunches for the coming week are gluten free pasta salad with tomatoes, onions, cucumbers, carrots, black olives, and salmon with olive oil and cider vinegar for dressing. I have apples, cashew nuts, and water also.

I have a $20.00 survey check coming in about 5 weeks that I will put towards the Conference Challenge.

And the Lunch Challenge Continues

January 23rd, 2011 at 10:32 am

Well, on Friday, when I was at the grocery store, chicken tenderloins were on sale for $2.49/lb. Not a bad price at all. So, I bought two packages. One went into the freezer, but I am not sure what I will do with it yet. I cut up the other package into little pieces and fried them in olive oil and spices. I also bought some lettuce and tomatoes.

My lunches this week will be the following:

Lettuce salad with tomatoes, sunflower seeds, tomatoes, chicken, and oil and vinegar for dressing. Fresh fruit, handful of nuts, and filtered water.

Next week, I have planned eating salads with a packet or tuna or salmon along with fresh fruit and nuts.

On goes my quest to eat healthy, gluten free, and not go broke in the process!

No Spend Day and Cooking for the Lunch Challenge

January 9th, 2011 at 11:44 am

So far, it has been a no-spend day for me. Hooray.

I have, however, been working on cooking all day. I made breakfast for the hubby and I. Yesterday, I bought 2 3-lb packages of ground beef and divided it up into patties and put them in the freezer. It takes a lot of work, but it is worth it since the large packages cost less per pound. Then, I got right to work on making my lunches. I made the following gluten free recipe for Chicken Cacciatore.

http://www.fitnessandfreebies.com/celiac/cc.html

Don't worry. If you want to make it, it's delicious. I spiced it up a bit by adding cumin, red pepper flakes, substituting roasted canned tomatoes for the can of tomatoes, and adding about 4 ounces of canned corn. Yummy. I made rice to go with it. I only needed enough for 5 lunches, but I got 5 lunches, plus a little extra. Yea for me!

If I had a digital camera, I would take a picture, but I don't.

I just found out a survey check is on the way. I should get it tomorrow or the next day.

Beezag Referral, Payday, and Other Stuff

January 7th, 2011 at 07:44 am

If any of you would like to earn a little extra money by watching videos and answering surveys, click here to sign up with Beezag.

http://www.beezag.com/index.html?utm_source=beezag&utm_mediu...

I get paid today, so I have pre-allocated money to make payments on Hospital Debts #1 and #2, as well as the mortgage. I have also paid the internet bill and one other bill that I cannot remember. There is more money going to savings and retirement. More money is going to the conference challenge. This is great.

I already have my lunch and dinner menus planned out for the next two weeks and am going shopping today to do that.

My lunches for the next two weeks will be:

1) Chicken salad sandwich on gluten free bread, fresh fruit, handful of nuts, filtered water
2) Chicken cacciatore with rice, green peppers, and spices, handful of nuts, filtered water, fresh fruit

Lunch Challenge Update

September 25th, 2010 at 05:03 pm

Well, the Lunch Challenge continues for me. I took my lunch to work every day last week. I ran out of salad mid week and took peanut butter sandwiches on gluten free rice bread the last two days.

This coming week, I have planned lunches with salmon or tuna in foil packets, as well as zucchini squash chopped up, canned tomatoes, and seasoning. I also have Minute Rice microwaveable packets. It will make a sort of stir fry type meal and be quite yummy.


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