Recipe For A Simple Life

Simplify your life, one day at a time

Financially Fit Friday

*”When real faith grips you, you develop a mind-set that looks for the best in everything, refuses to give up, finds a way around or through every obstacle, and presses on to victory.”

– Norman Vincent Peale

Have you started a money makeover? What are you planning on paying CASH for? What bill are you paying off? Share a bit of your story! No story is too small to share! Real life stories keep Carrie motivated 😀 Catch up on Our Story to see how far we’ve come.

Emergency Fund – $828.61, Goal is $1000

  • Our dryer nearly started on fire the other night, so we made a run to get a new one.  We got a great deal on one, but it took out a huge chunk of our emergency fund.  However, that’s what it is there for.  In the past, these speed bumps in life would have sent us into a tail spin.  It still amazes me how just a thousand dollars set aside can help out with emergencies.  And makes us really look for deals since I never want to withdraw any of it.  I’m very proud of my husband for taking on the “New Dryer” challenge.  He was able to get one for 2/3 of the normal price, saving us about 200 bucks 😀  We didn’t buy the cheapest one like we normally do, we went for a model to help us save on our electric bill as well.  I’ll compare this month’s bill to the next two months’ bills and we’ll see if it really is worth the extra 😀  Stay tuned for that…
  • Withdrew $385.48 for dryer
  • Deposited $3 from a survey
  • Deposited $197 from leftover paychecks
  • Deposited $10 from Kellogg’s gas card promo NLA
  • Deposited $4.09 in spare change.

Teeth Fund – Hubby needs some major dental work done. So we’ll have to take a break from  house fund to get at least half the work done. Goal – $3000 by 03/31/2012

  • Currently Saved $3000!

House Fund – Goal $15,000.00 by 5/31/2011.  I called one of the banks in town I was recommended to.  I’ll be bringing in our pay stubs, etc for her to look over and we can get some real numbers on what we are looking at.  I did find out that one of the towns my husband and I really like does not have a no money down loan option, but it’s only a 5% down payment, which is doable.  I still like the other town also, but it is a few miles further away.  If we chose to live in the town that’s closer, our children could ride the bus to the school they are currently attending instead of us driving 20 minutes to and from school twice a day.  That’s huge gas savings lol

  • Deposited $0.  Need to restock emergency fund.
  • Currently Saved $900.07

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The following are the other loans we currently have, but will put them on the back burner as we save for a house bigger than a 2-bedroom for our family of SIX 😀 We plan on keeping the duplex we currently own, and renting out the side we currently live in, thus earning more money each month that will pay these off for us 😀

Hubby’s Student Loan as of 10/01/2011 $9395

  • Outstanding Balance is $9,083.60

My Student Loan as of 10/01/2011 $6480

  • Outstanding Balance is $6,250.82

Family Loan $3000 – We have the money to pay this back!  Will be paid in full next time I go home 😀

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Inspirational Saying

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Hy-Vee Ad Matchups

If you’re a Hy-Vee shopper like I, Carrie, am then keep an eye out today at Kansas City Mamas for this week’s ad/coupon matchups!

Remember, Hy-Vee ad matches anything in town so if you want a one-stop shopping experience, this is your store. Check out our Hy-Vee Shopping Tips and Tricks post for other ways to save at Hy-Vee!

What will you be getting at Hy-Vee this week? Carrie didn’t grab much, but I did take advantage of the nice chicken price, and blackberries as well as their strawberries – FANTASTIC PRICE – get some and freeze them for smoothies, I rarely see the price go this low.  I’m hoping to head back there Monday before the sale ends to pick up more.

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Financially Fit Friday

“When real faith grips you, you develop a mind-set that looks for the best in everything, refuses to give up, finds a way around or through every obstacle, and presses on to victory.”

– Norman Vincent Peale

Have you started a money makeover? What are you planning on paying CASH for? What bill are you paying off? Share a bit of your story! No story is too small to share! Real life stories keep Carrie motivated 😀 Catch up on Our Story to see how far we’ve come.

Emergency Fund – $1000 – STOCKED!

Teeth Fund – Hubby needs some major dental work done. So we’ll have to take a break from  house fund to get at least half the work done. Goal – $3000 by 03/31/2012

  • Currently Saved $3000! 

House Fund – Goal $15,000.00 by 5/31/2011.  This number will be recalculated based on the fact we found out that the town we want to move into has home loans for NO MONEY DOWN 😀  So we may be moving sooner rather than this fall 😀  We still want to save up as much as possible for renovations and fixing up our current home before renting it out.  And to have extra money to start knocking down the new home loan right off the bat!

  • This is going so slow lately.  I need to dive into our toy room and closets and sell some extras we have!
  • Deposited $208 in leftover income
  • Deposited $8.80 in spare change
  • Currently Saved $900.07

Likes | Tumblr

The following are the other loans we currently have, but will put them on the back burner as we save for a house bigger than a 2-bedroom for our family of SIX 😀 We plan on keeping the duplex we currently own, and renting out the side we currently live in, thus earning more money each month that will pay these off for us 😀

Hubby’s Student Loan as of 10/01/2011 $9395

  • Outstanding Balance is $9,083.60

My Student Loan as of 10/01/2011 $6480

  • Outstanding Balance is $6,250.82

Family Loan $3000 – We have the money to pay this back!  Will be paid in full next time I go home 😀

Leave a comment »

Hy-Vee Ad Matchups

If you’re a Hy-Vee shopper like I, Carrie, am then keep an eye out today at Kansas City Mamas for this week’s ad/coupon matchups!

Remember, Hy-Vee ad matches anything in town so if you want a one-stop shopping experience, this is your store. Check out our Hy-Vee Shopping Tips and Tricks post for other ways to save at Hy-Vee!

What will you be getting at Hy-Vee this week? Make sure to print this coupon for Cheerios from the Crayola website before they are all gone to stock up on Cheerios this week for under a buck a box – that’s a GREAT stockup price.

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Financially Fit Friday

“When real faith grips you, you develop a mind-set that looks for the best in everything, refuses to give up, finds a way around or through every obstacle, and presses on to victory.”

– Norman Vincent Peale

Have you started a money makeover? What are you planning on paying CASH for? What bill are you paying off? Share a bit of your story! No story is too small to share! Real life stories keep Sister C motivated 😀 Catch up on Our Story to see how far we’ve come.

Emergency Fund – $1000 – STOCKED!

Teeth Fund – Hubby needs some major dental work done. So we’ll have to take a break from the house fund to get at least half the work done. Goal – $3000 by 03/31/2012

  • Currently Saved $3000! 

House Fund – Goal $15,000.00 by 5/31/2011.  This number will be recalculated based on the fact we found out that the town we want to move into has home loans for NO MONEY DOWN 😀  So we may be moving sooner rather than this fall 😀  We still want to save up as much as possible for renovations and fixing up our current home before renting it out.  And to have extra money to start knocking down the new home loan right off the bat!

  • Deposited $195.07 in leftover income
  • Deposited $5.33 in spare change
  • Currently Saved $683.27

Likes | Tumblr

The following are the other loans we currently have, but will put them on the back burner as we save for a house bigger than a 2-bedroom for our family of SIX 😀 We plan on keeping the duplex we currently own, and renting out the side we currently live in, thus earning more money each month that will pay these off for us 😀

Hubby’s Student Loan as of 10/01/2011 $9395

  • Outstanding Balance is $9,189.18

My Student Loan as of 10/01/2011 $6480

  • Outstanding Balance is $6,328.50

Family Loan $3000 – We have the money to pay this back!  Will be paid in full next time I go home 😀

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4 Weeks to a More Organized Home – Day 3

If you read Day 2, you know that I’m trying a new approach to this project.  I’m making my list tonight so I can be more focused in the morning and (hopefully) get more done tomorrow.  Here is the assignment Crystal posted for Day #3 –

Day 3 Assignment

::Get dressed in something that makes you feel great

::Sit down with a cup of coffee or tea, refer to your list of weekly goals, and make a list of no more than 5-7 specific things you want to accomplish today. (My list is in green.)

  1. Call the clinic and make appointment to check on the teenager’s cough.
  2. Mail Confirmation invitations.
  3. Make bread.
  4. Fold the mountain of laundry on the family room floor.
  5. Drink 3 bottles (6 cups) of water.
  6. Walk around the block at least one time.
  7. Spend special time and write note to Peanut for her birthday.

::Complete your morning routine

::Set the timer for 15 minutes and do a quick-clean of your bedroom: throw out any trash, put away items that are out of place, get rid of clutter, tidy up, vacuum, and make your bed.

::Clean out your freezer(s). If you need step-by-step help, read this guide on How to Clean Out Your Freezer.

::Find 7 items to get rid of today. Throw them out, stick them in a donate or garage sale box, give them to a friend who can use them, or list them on Craigslist or eBay.

Tomorrow will be a busy day for us – it’s Peanut’s birthday and the Teenager’s first softball game of the season.  I’m still hopeful that I can get my list done.  I’ll be back at the end of the day to let you know how it goes……………………………

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Wednesday Wow! – Laundry Basket Dresser

 

Right now, in my family room, there is a virtual mountain of clean clothes getting more wrinkled by the day. (I seem to struggle with FINISHING laundry these days.  I can get it all to the laundry room and usually get it washed and dried, but getting it back to the room it came from seems to give me some trouble.)

I found this really neat idea on Pinterest when I should have been sleeping.  If only I were handy with tools.  (Maybe I can talk someone into making me one of these).  Imagine how orderly my laundry / storage room could be if I had this cool storage unit.  If you are handy with tools, check out the detailed directions HERE.

This would also be a great way to store seasonal outerwear like hats, mittens, scarves, etc. Or, as a storage system in the garage for outdoor toys.  Or, for indoor toys.  Or, to store your stockpile of household products.  Or, well, you get the idea.

What can you envision organizing with a storage / organization system like this?

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4 Weeks to a More Organized Home – Day 2

I enjoyed a full night’s sleep and some ibuprofen last night.  Spring is such a busy time of year for our family and this year is even busier than usual.  The teenager gets confirmed in just a few weeks and I still don’t have all the invites in the mail.  The yearbook deadline is in 3 weeks and I haven’t started it yet!!  Softball madness has begun and I have 4 birthday parties to plan before the end of May.  (Why on earth did I think NOW was a good time to do this organization project?)  Now that I’ve gotten that off my chest, let’s get back to why you are here………

Today was officially day #2 of my home organization project.  (If you are following along you know that I took yesterday off.)  I’ll just let you know right now that I didn’t get much done today. I cheated a little and looked at some of the future assignments.  I think I’ll be able to catch up.  Since there are no weekend assignments, I’ll need to use those days to get back up to speed. It’s only taken me two days to realize that being a work-outside-the-home mom makes this project much more challenging.

Here was today’s assignment.  I’m putting my accomplishments in GREEN.

Day 2 Assignment

::Get dressed in something that makes you feel great  – I chose to wear my favorite t-shirt and hoodie today, along with my comfy shoes.  

::Sit down with a cup of coffee or tea, refer to your list of weekly goals, and make a list of no more than 5-7 specific things you want to accomplish today. – honestly, my goal today was to finish last week’s to-do list.  I almost made it!

::Complete your morning routine  – really need to develop a routine (maybe I should put that on a to-do list)

::Set the timer for 15 minutes and do a quick-clean of your kitchen: wash the dishes/load the dishwasher, clear off the countertops, and, if you have time, wipe down the countertops and the outside of the cupboards with wet rag or cleaning cloth. – I had a little stress melt down tonight after supper.  Hubby did this chore for me to keep me sane.  (thank you hubby!)

::Clean out your refrigerator. There’s a step-by-step guide for cleaning out your refrigerator here. – I decided mine wasn’t bad enough to make me want to put in the effort today.  Spent time getting frustrated by yearbook software instead.  Probably should have cleaned the frig so I’d have something to show for my time. :o)

::Find 7 items to get rid of today. Throw them out, stick them in a donate or garage sale box, give them to a friend who can use them, or list them on Craigslist or eBay. – bagged up the things I found yesterday – didn’t look for anything new.  I guess I’ll have to find 14 tomorrow.

See, I told you I didn’t get much done today on this project.  I did, however, learn an important lesson.  I need to look at the assignment and make my list of 5-7 things at night, when I end my day so I can wake up prepared tomorrow.  So, I’m off to make my Thursday list and take a peek at what’s coming up.  Hopefully this will help me have a more productive day.

How did your day go?

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4 Weeks to a More Organized Home – Sick Day

Hi All!

Just a note to let you know that I’m taking a sick day today.  I’ve got a splitting headache and put 11 hours in at work today.  I’ll be back tomorrow with info on Day 2.  Thanks for understanding.

~ Katie

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