Look at that beautiful family. Evelyn....what can I say? She is ridiculously photogenic. I am less so, but that's just the way things go. Jon is good in a picture. But Evelyn, she steals the lens. I wish I could post more pictures from this shoot. There are some really good ones of my sisters and nieces all together, but I don't want to post pictures of other people's kids without permission. So just imagine five little girls, ages 2 to 9, being adorable.
Did you know Christmas is only nine weeks away? Cool. Jon and I created our Christmas spending budget last week and decided to spread the gift-buying out over the next three months instead of all in December. It is still early, but I think we made a reasonable budget for ourselves.We already went over on our Christmas cards, though. I love
http://www.minted.com/ so much, and we got a discount in the mail, that we decided to splurge just a little. Our cards will be awesome. :)
Yesterday I saved 42% at the grocery store with sales and coupons. I even gave my office friend two coupons for Pampers, because I know she uses them for her baby, and Jon's friend a coupon for Challenge butter, because I know he likes that fancy-pants brand. I may be couponing fiend. And, I may love it.
When I used to shop at the grocery store I would usually have some sort of list, often written down, but no budget, no sense of what was on sale, no specific meal plan for the week, no idea what things I would pick up that weren't on the list. I would look at unit costs for the things I did want to buy, and usually get a less expensive version (but rarely generic). I would pick up things that I stumbled upon that happened to be on sale, if I thought I would use them. I might stock up on chicken breasts and Diet Coke, but that was it. At the register I would be surprised by the total, not knowing how much the food in my cart would cost, and I would get excited when I got above 10% or 15% savings on my receipt. I remember one time I saved 20% using sales and I thought it was some sort of
miracle. The fact that I can actually remember that moment is indicative of its rareness.
But now I am shooting for 50% savings using sales and coupons. I haven't hit it yet, but I am going to someday. I am looking at the sales
before I make my weekly meal plan. I am going to the store with a firm list, and a calculator, so there are no surprises at the register. I am searching the web and newspapers for coupons for every single item on my list. And what does it all mean? I have stayed within my grocery budget every week this month with room to spare, there are plenty of groceries in my freezer and pantry, and we are getting some financial breathing room. Definitely worth the extra 45 minutes it takes to organize all of this each week. (And I haven't even become a real "hard core" couponer yet, with shopping at different stores and keeping a price book and knowing everything!)
I know this is probably boring to read. I just get really excited when I know I am doing the right thing for my family. It is like I have taken on a second job, one that pays really well considering the amount of time I spend on it, and one that will keep on giving as I teach Evelyn sound financial skills (instead of the spend-what-you-want way I was modeling behavior before). In October, I have saved my family more than $800 by: 1) creating a household budget and working with Jon to stick to it, 2) creating financial goals with Jon and figuring out how to reach them, 3) spending wisely when necessary (including very very rarely paying full price for anything), and 4) not spending nearly as much--period.
I like it.