Thursday, September 30, 2010

Hip Hip Hooray,, It's Payday!

Ahhhh.....every other Thursday I breathe a big sigh of relief.   Because that is the day Ben's check goes into the bank.   :)  
I really need to start doing a better job budgeting our spending money over the two week time period.  The problem is we tend to go a little crazy the first weekend he gets paid and then we are broke the next week and a half. 

Irresponsible you say....well yes maybe a little but in all honesty we never have that much money to begin with.  You think, now wait a minute,, your husband is in a supervisor position,, you should be doing fine.  Well yes, he does get supervisor salary but his place of employments pay is crap!  He makes a lot less than most of our friends/family that don't even have a supervisor job!  We have 5 people in our family and a LOT of bills.  I have a childcare business but that doesn't pay the bills.  The money I make pretty much goes to Ben for his spending money and the rest is for groceries.   We just can't keep up with "the Joneses",,, it's impossible. When I see people that I think are in a similar situation spending and getting things I find it hard to understand, but then I just need to remember....they have more money than us.  haha... It's fine I don't mind.  Although I do think people think we have/make more money than we actually do. 
Ok,,,don't know how I got off on that ramble, but what I was getting at is budgeting the money better,,, normally I pay the bills Friday online, then over the weekend try to get groceries that will last us close to the two weeks,, then with the money left we usually go out to eat or do something extra with the kids,, things like that.   This last week has been really tough,, we spent to much money the first week and we have been out of toilet paper for the last three days!  (Don't worry,, we've been using Emma's babywipes,,:) )  Plus short on food, I've had to be creative with the meals the last couple of days.  Yes there is money in the savings account, but I'm trying my hardest to not have to dig into that, and after last weekends trip to Ft.Wayne and our out to eat with the extra kid at a place we thought kids ate free and found out we were wrong, after we got the bill, i had already had to transfer money over to the checking account and I didnt want to do it again.  So I waited until today when Ben got paid.  Tonight I will go out and get some groceries and dog food---we ran outta that to but I have been feeding her leftovers and hot dogs so she hasnt been starving, and toilet paper!  Woo Hoo.  haha,, the thing I will not do is let us go out to eat tonight.  I've decided that maybe we should wait til the second week when he doesnt get paid and if we really wanna go out then if there is extra money left we can. 

Ive been trying to put one to two hundred extra dollars into savings for Florida every other week also and that has been working out.  That is where part of our money is going. The resort is already paid for,, I think I have enough money in there for our tickets for the parks now,  so now I need to concentrate on getting enough for spending money, gas, and food.  I've got 2 in a half months left so I think its all gonna work out!  

I was thinking, I've done pretty good getting the money for this trip.  Now after the trip I can put all that same hard work and get the rest of the credit card bills paid off!  Maybe that should be my goal for next year.....all credit cards paid off in one year!  Think I can do it?  We will see.


momto9 said...

you've done VERY WELL with limited resources! I just love reading about your money ideas and how you make it work. What have you been making foodwise? I always need ideas...groceries are so expensive where I live!

momto9 said...

oh and the Jonses....I cant either. Dont even bother...comparing is a waste of brain space:)

Jill said...

We do fairly simple meals,, especially when moneys tight....this last week we had, hotdogs and mac and cheese.,, poor man's meal--potatoes,hotdogs,and onions cooked in the skillet, spagetti, and roast w potatoes(I'm down to 2 roast left from when we purchaced our 1/2 beef, and liver is all thats left from it :(
You notice a lot of potatoes? lol,, I had a bag of them. I just throw together whatever I have here when I can't afford to get to the store.

Luckly now though its Friday and I've restocked my cabnits so I'm hoping what I've got will last me two weeks!

Jill said...

WE also have a lot of green beans, and corn as our veggies cause I have them in the freezer that I preserved from grannys garden!

momto9 said...

yeah I thought I overdo my meals:) I'm hoping to simpify will be hard to get everyone used to it.

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