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Old 01-21-2018, 05:02 PM   #31
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Re: New Year’s Budget/Debt Free/Financial Goals Chat

Thanks!!! 3 more to go before we begin addition construction.

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Old 01-21-2018, 06:42 PM   #32
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Re: New Year’s Budget/Debt Free/Financial Goals Chat

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I hate when that happens. Was it on the app? It always happens for me on the app if I try quick reply and not the regular reply. I know this and I STILL lose posts because I forget.
Yes, it was on the app. I forget what all I wrote, but we use Quicken to track expenses and manage a sort of budget. Almost all of our accounts can sync with it except betterment which irritates me, but I don't think betterment will sync with anything.

Question about your budget programs: quicken will lay out a budget for me and any expenses I list as those categories are then budgeted, but nothing really happens if you don't stay within the numbers. The category will turn red or green and that's all. Do the programs you're talking about do something different?

Also, do any of those programs work without internet access? Like I get that they won't sync, but can I manually add expenses etc and then sync once a month or something? I know Mint doesn't work that way. You have to be online to use Mint.
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Old 01-21-2018, 08:41 PM   #33
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Re: New Year’s Budget/Debt Free/Financial Goals Chat

I believe you need to be online to use every dollar and the newer version of ynab. YNAB does have an offer version I think that you can still get that you don't need to be online for.

It sounds the same as ED E, it turns red and tells you how much you are over. YNAB is set up different--you only budget as you get paid in it and idk what it would do if you went over. It's been a while since I used it. And if I go over on a category I just move money from somewhere else to cover. Like if our electric bill is $10 more than I expected I spend $10 less than planned somewhere else to cover it.

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Old 01-22-2018, 03:20 AM   #34
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Re: New Year’s Budget/Debt Free/Financial Goals Chat

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YA'LL. We are within $88 of having another debt paid off!!!!! It will have to wait two weeks until payday but I'm still excited about it.
Congrats!! That's great.
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Old 01-22-2018, 06:43 PM   #35
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Re: New Year’s Budget/Debt Free/Financial Goals Chat

chirpy its great that you are close to paying off another debt.

We are 1k from paying off all J's med bills from his eye back in October. we paid off the lawn mower in Dec.! Once we are done with the medical we can start looking at a newer car for me. Perhaps we can get it by the end of Feb.

So we need to save up some down payment money for the car and pay off the hospital. We also need to up our savings in general. Even though we are putting almost 20% into retirement.
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Old 01-22-2018, 06:59 PM   #36
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Re: New Year’s Budget/Debt Free/Financial Goals Chat

Let's talk groceries. I feel like this is our biggest budget struggle. It's by far the category I spend the most in. I spent $300 today. We *try* to keep it to $800, and this does not count a large portion of our meat because we have farm beef and pork. Some months we make it, some months we don't. I do utilize sale ads at the regular store and bargains at a discount store. I figure the cost of meals. We just go through so. much. food! Any tips for us??
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Old 01-22-2018, 07:32 PM   #37
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Re: New Year’s Budget/Debt Free/Financial Goals Chat

No tips when I'm planning ahead I try to go to multiple stores because I know I can get better deals on certain things at certain stores, but honestly often it's just not worth it to me. It feels like it takes all day if I go to 3 stores and DS gets whiny after the first store, and then it's lunchtime so we end up eating out which doesn't help the budget...

I think what would help me more (but likely not you since you have such a large family) is better meal planning. For example, I need to figure out how to plan meals that use parts of previous meals. I downloaded free meal plans for the diet we're doing, and they're very good about that. Tomorrow I cook a 6 lb chicken which we'll eat for dinner and then the chicken will be used in soup on Friday and something else next Sunday. My grocery bill today was $130, but some of that will be used for next week's meals too (not much but a few things), so I didn't feel too bad about it.

On the same token, we have a little tendency to forget certain leftovers until it's too late and they go bad. I need to make a point of cleaning out the fridge weekly and planning menus based on what I find I think.
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Old 01-22-2018, 08:06 PM   #38
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Re: New Year’s Budget/Debt Free/Financial Goals Chat

We do leftovers for lunch when they are available and I don't have other plans for them.

I do what you are talking about with the meal planning, just in bigger proportions lol. So instead of starting with a chicken (which would be entirely demolished), we start with a turkey. It might be thanksgiving like the first go round, pot pie the next, then turkey wraps. I call it meal piggybacking lol. I love it because it cuts down cooking time significantly and usually helps extend meat.
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Old 01-22-2018, 08:25 PM   #39
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Re: New Year’s Budget/Debt Free/Financial Goals Chat

I'll list what we do (probably things you all already do.)

-There is no free access to all the food. They can have a snack but until they figure out portion control we get it for them.
-We don't waste food. So they serve themselves some and can have more but we don't do big initial servings.
- We stay away from most packaged prepared food like frozen waffles etc. We make our own.
-Price book. My dh kept it in his head. I finally have a hard copy. We don't pay more than price listed unless absolutely necessary.
-We limit meat intake. We have meatless Fridays and we aren't huge meat portion people. I wish we had an affordable reliable meat source.
-We usually have a fresh bread available and that cuts down on snacking on other things.
-We eats what is in season and/or what's on sale. So meals are based on what's available for the best price currently.
-We love beans.
-It's much harder to keep budget low when there are food/allergies etc.
-Aldis has helped with our food budget and we figured out what's cheaper where and we try and pick those items up only there.
-We don't do daily dessert. We bake often and we will have dessert but it's not an everyday expectation.
-We make our own broths and stock.
-We drink primarily water.

That's some of what we do. I'm sure there's more.

Just watching other families I notice that food waste is a big issue. Food goes bad before used or portions of food served gets tossed.

Jen that figure sounds on track for me. Remind me, there's 9 in the family?
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Old 01-22-2018, 09:59 PM   #40
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Re: New Year’s Budget/Debt Free/Financial Goals Chat

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Let's talk groceries. I feel like this is our biggest budget struggle. It's by far the category I spend the most in. I spent $300 today. We *try* to keep it to $800, and this does not count a large portion of our meat because we have farm beef and pork. Some months we make it, some months we don't. I do utilize sale ads at the regular store and bargains at a discount store. I figure the cost of meals. We just go through so. much. food! Any tips for us??


Do you completely utilize leftovers? For us, that helps our grocery money go a long way. And sometimes we all eat sandwiches for supper. We are happy with that and my kids don't eat a big supper, usually. They do eat a lot at lunch though.

What about soups or "one dish" type meal? Those are lots cheaper and I'm sure I'm not telling you anything you don't already know.

Man, groceries must be extremely cheap here? My grocery budget is $500 but DH eats lunch out everyday so that number doesn't include his lunch. And it doesn't include beef as we have homegrown beef.

I haven't tracked what I have actually spent in quite some time though. I budget at the beginning of each month but then don't track food purchases.
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