Feeding my Family on $80 for a Month Part III

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By Liz

If you are just tuning in, feel free to check out Part I and Part II of this series.

So how did I do this week with only $32.10 of my $80 for my Penny Pinching June?

We are really getting down to the wire here and although my dry pantry staples and freezer are still in good shape, it is really things like my perishables I am having issue with. 

We are starting to miss a lot of dairy, items such as cheese, margarine, yogurt, sour cream and now that summer is here, ice cream.  I have been substituting real butter for the margarine, and while agree it tastes better and is better for us, real butter is expensive and does not stretch as far as margarine in certain recipes so I had to break down and get a tub.

Again I went to Aldi, I think I have been doing this to avoid Winco, there are just too many options at Winco, and I feel like I would be overly tempted to purchase more and blow through my cash budget.

Here is a snapshot and list of what I purchased this week:

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1 tub margarine

1 package cream cheese

1 package tortillas

2 dozen eggs

2 rolls of ground turkey

4 avocados

4 peaches

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I spent a total of $14.63 at Aldi.  Shortly after I got home, I realized I forgot to pick up milk, thankfully one of the boys was already out for the day, so I texted him and asked him to pick up 2 gallons, but he only brought home 1 (kids…insert big sigh here). I repaid him the 97 cents for the milk at dinner time. So my grand total spent for the day was $ 15.60, leaving me $16.50 for my final week of this challenge.




So what did we eat for this week?

Monday: Chili Dog Enchilada Casserole/ homemade potato wedges.

Tuesday: Pork Chili

Wednesday: Hamburgers/macaroni salad.

Thursday: Pizza (prior to the month I had found some rather large take and bake pizza’s that were discounted at Walmart so I picked up a couple and had them in stored in my freezer).

Friday:  Lemon Chicken Penne/garlic bread/salad.

Saturday: Spaghetti with Bolognese sauce (I had a spaghetti squash in my fridge for quite some time, so I made this for me instead of the pasta to cut back on the carbs.

Sunday: In honor of Father’s day and in an attempt to spoil my husband who is also a fabulous dad…I made steaks on the grill (that I butchered from a roast)/garlic smashed potatoes/green beans with lemon/sourdough rolls/dark chocolate cake with fresh raspberries.

One more week and it is going to be a huge challenge since our micro garden is now exploding and I need to put those ingredients to use, personally, I am starting to have cheese withdrawal and its summer so my kids want to know…WHERE IS THE ICE CREAM???

 

 


Feeding my Family on $80 for a Month Part II

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By Liz

If you are just tuning in, feel free to check out Part I of this series.

So how did I do this week with only $53.79 of my $80 for my Penny Pinching June?

Well, not too bad. Earlier in the week I was prepping for dinner shortly after lunch, since my cutting board and knife were already out, when I discovered I was missing a key ingredient for dinner.  So with a lot of hemming and hawing, I broke down and went to the store for the one ingredient I needed.

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I needed Parmesan cheese for the lasagna rolls I was making that evening, and even though I could have probably omitted it from the recipe, I use a lot of Parmesan in many of my recipes, (comes with being Italian, I guess).  While in the store, my two options were the large container for $4.84 or the smaller container for $3.98, even though I knew I was on a strict budget, buying the larger container was still the better price per ounce, so I hesitantly ponied up the $4.84 for the larger container.  On a side note here, later that afternoon I had emptied the dryer to fold clothes and found $2.36. We have a standing rule in the house that it is “finders; keepers” in regards to money found in the dryer, so I added the $2.36 to my cash budget for food, thereby only costing me $2.48 for the Parmesan.

 


I went to Aldi again this week because I knew the kinds of fresh produce I needed for the upcoming week was going to be comparable in price versus Winco, the store I alternate with Aldi, however Aldi is slightly closer to my house, so I went there again.

Here is a snapshot of everything I purchased that day.

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2 gallons of milk

2 packages of strawberries

3 pounds of apples

1 block mozzarella cheese

1 block Swiss cheese

4 peaches

2 cucumbers

3 pounds of bananas

1 package of green onions

2 pounds of white onions

1 quart of half and half

2 dozen eggs

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My total came up to $19.21, and with the extra $2.36 from my dryer score, I still have $32.10 for the next 2 weeks.

As mentioned before, we are not living on rice, beans, peanut butter and jelly or breakfast for dinner (you will rarely ever hear me mention that as an option, as my husband despises breakfast for dinner).

So what did we eat for the week? Here was our menu:

Monday: Lasagna rolls; mozzarella/tomato/pesto Paninis.

Tuesday: Steaks on the grill; au gratin potatoes; grilled corn on the cob; fresh baked bread.

Wednesday: Grilled cheese and tomato soup (ok…I phoned this one in on this particular evening, but most everyone was out for the evening, so it was just me and one of my sons).

Thursday: Rustic Pork Ragu over spaghetti; pita/garlic bread; Caprese salad (basil and tomatoes from our micro garden were used in the salad).

Friday:  Dijon/garlic and lemon salmon; green onion and garlic quinoa; lemon cauliflower.

Saturday: Spinach and Feta cheese sausage and fresh veggies (bell pepper, tomatoes & zucchini from our micro garden) served over brown rice.

Sunday: A quick and easy one pot jambalaya.

So that is how I measured up this week, to be honest, when I was at Walmart for the Parmesan cheese, I felt slightly disheartened seeing many good discounts in their bakery and meat departments, knowing I had to pass them up because all I had on me was my small cash budget that I have to make stretch, BUT that is the purpose of this exercise…right? Well, that and saving $500 cold hard cash.

Stay tuned to see how I do next week.

 


 

Feeding my Family on $80 for a Month Part I

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By Liz

Last week I announced that I was instituting a Penny Pinching June here at the house since I have felt like we had been “bleeding” money for the last couple of months. I wanted to reign in some of our spending while building our savings account back up to my “I can sleep at night” comfort level.

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I had taken an inventory of our current stock of foods from the pantry, freezer and fridge, did a small amount of stocking up in May on those staple items we seem to plow through and have decided that I would buy nothing else for the month of June and we would be living off of what we already had on hand.

My regular food budget for our family of 7, is approximately $600/month; however my challenge and goal for the month of June is to spend only $80 for the month on the perishables that I know have a much smaller window when it comes to expiration dates, items such as milk, eggs and fresh produce.

You might be wondering how I came up with the amount of $80. To be honest, it was what I had left in my wallet after my last grocery shopping trip in May.  I did however sit down and ran the numbers really quick on the perishable items listed above to see if this was a realistic amount, turns out; it is if I want to reach my goal of saving $500 this month.

As you may have deduced, $80 for the month, equals roughly $20 for the week. That sounds crazy…right?  C’mon…$20 per week for a family of 7 + 3 dogs?  Impossible you might say, well I guess we will find out together.

Thursday’s are my “running day”, the day when I do the majority of my shopping, errands and appointments and this past Thursday was my first attempt at shopping on this small budget. I had a very short shopping list with me that included only my absolute necessary perishables and my $80 in cash. I left all other means to pay (credit and debit cards/checkbook) at home. This day, I had a lot of errands to take care of, so I decided to shop at my local Aldi, which I would be passing on my route home. The entire time I was in the store adding items to my cart, I was doing the math and making a conscience effort not to go over $20. Currently, the price of eggs and milk are pretty low here in Texas, so I am taking full advantage of these particular 2 items that I can never seem to keep on hand with my brood and the rest were purchases that I needed, but looked for the best deal in the store and if it wasn’t within my price range or keeping within my budget…I put it back down.

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Here is a snapshot of everything I purchased that day:

2 packs of chicken thighs

1 gallon of milk

2 packages of mozzarella block cheese

1 container of cream cheese

1 container of ricotta cheese

1 (1) pound package of black forest ham

Bananas

3 dozen eggs

2 containers of strawberries

1 head of cauliflower

3 pounds of onions

My total came up a little higher than I wanted, it was $26.21, leaving me $53.79 for the next 3 weeks, but I am confident I will be able to pull it off.

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In my previous Penny Pinching June article, I said that we would have a monthly menu that included variety, and not just a diet of beans and rice or PB & J sandwiches. Here is what was we ate so far since June 1st until this posting.

Thursday:  Slow cooker corned beef and veggies.

Friday: Loaded Nachos, with beans, cheese, jalapenos, salsa and sour cream

Saturday: We were visiting my sister and brother-in-law, so we were invited to have dinner at their house.

Sunday: Grilled chicken thighs, potato salad and garden salad.

You might be wondering about breakfast and lunch. In our house, we all have different schedules as our kids are mostly teens and young adults, these two eating periods are an “every man for himself” situation. We always have a variety of breakfast and lunch items on hand; plenty of bread and bread like options (bagels, tortillas, English muffins), oatmeal, yogurt, fruit, cheese, eggs, sandwich meat, pre-cooked and frozen meats and pastas (made previously, bagged into portion sizes and then frozen), or the inevitable leftovers from the night before.

As a parent, and provider I have always felt this drive to ensure that my family is well fed and nourished, after all it’s one of our a basic necessities, because of that, we always have a decent size stock pile and selection in our freezer and pantry. And just as I have a certain discomfort level when our bank account drops below a certain amount, I have the same apprehension when it comes to the inventory of food in our home. I have to admit, that as I start this month, I feel as though we are in good shape and I am confident, at this point, I will make my goal, however, it will be interesting to see how I feel towards the end of the month, when my pantry and freezer starts to really look bare and I run out of cash. So I invite you to stay tuned to see how this experiment winds up, won’t you?



Saving $500 or More in One Month

 

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By Liz

Living on one income, there are certain times throughout the year that make me anxious.  For one reason or another, we hit those irregular bills and I watch our account dwindle a little to the point it makes me start to wonder if leaving the work force was the right decision.  So much so, that I usually start dusting off my resume and start looking at the job boards again.

My husband will tell you that I over react during these times and that he could set his watch by them.  Looking at our books, I know we are fine, but when we hover around or we go below that “cushion” number in our account, it starts to make me lose sleep.  We have always rebounded, and brought that “cushion” back up, but there is always the looming question…what if we don’t?

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Summer time is one of those times of the year that make me feel financially uneasy.  I guess it stands to reason with payouts that include; increased electric bills with more people being home during the day watching T.V., playing video games, charging laptops, phones, etc…not to mention the A/C running to cool the house down in the Texas heat. Our water bill goes up, due to watering the lawn, the garden, extra showers, and laundry;  our food bill increases with hungry boys and one girl in and out of the house all summer; and then there is summer vacation and we all know how expensive that can be.

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Now believe me when I tell you, I have done what I can to economize in ALL of these areas.  The A/C is on an automatic timer and is at a reasonable setting; laundry only gets washed when there are full loads to be done; showers are timed; and there are some years we don’t take a summer vacation, we didn’t last year, and I have to tell you, this year it is much needed. That leaves me with our food budget and while not completely out of control for a family of 7 and 4 dogs, it could still use some trimming.

Our average monthly food budget is approximately $600 for 7 people and 4 dogs, that breaks down to roughly $6.75 per person, per meal. Some would say this is to high, some will say that is low. Personally, I think it is too high and I want to start cutting back in this area in order to help reach some financial goals.



This past winter, I instituted “no spenduary” during the month of February.  After the holidays, I took inventory of our pantry, freezers and fridges and did a little bit of stocking up on staples that we plow through, things like potatoes, flour, sugar, coffee, pasta, rice, etc… Also, during the month of January if I saw rock bottom prices on meat, chicken or fish, I bought an extra pack or two then during the month of February, I did not do any grocery shopping.  We made do with what we already had in our inventory.  I did give myself a very small cash budget for the month to purchase some perishables such as milk, eggs and some fresh produce like lettuce, onions, bananas (since these things don’ t keep well for an entire month), but there were no large hauls, no overspending and in fact we wound up saving about $300 that month.

With summer just about to start, and having that “irky” feeling about our account again, I have decided to take the same action and I am instituting penny pinching June in our house. I have gone through our inventory, and have concluded that minus those perishables we have more than enough in our stash to make it through the month of June.  I am also giving myself a VERY strict, cash budget of only $80 to buy perishables for the month (crazy…right?).

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Now you might be thinking that, I will be feeding my family a steady stream of rice and beans, peanut butter and jelly, eggs made up, six ways to Sunday, but I want to be able to show that with a little creativity, we will have a variety of menu options by making do with what we already have on hand.  For the next 4 Mondays, my entries will be about my accountability and what we are eating and how far I can make that $80 stretch.

 

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My goal is to be able to save $500 for the month of June.  This may not seem like a lot in today’s economy for a family of 7, but just like in February, I found myself and the rest of my family trying to save and economize in other ways as well, such as using the library more, car pooling with each other or friends, not buying that much “wanted” new video game (obviously, that one was for the kids), finding free or low cost entertainment, ditching the sodas for water, finding the locations for the lowest gas prices, etc.. It did my heart proud as the family followed my lead and took their own initiative to save some of their hard earned cash.

I know there are going to be times that myself or a family member will have a craving for some fast food or take out, or I will be tempted to pick up that amazing deal at the store when I walk in with my tiny amount of cash, earmarked for only the few perishables I will need and I will want to give in and take out my credit card, but I am hoping my resolve will be strong. In fact, I will be leaving the credit card at home. So follow me on my penny pinching June journey and see if my goal is truly reachable.