happiness is...

happiness is...
kenya 2010
Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

Saturday, October 13, 2012

think of all the fun you can have with $107

i recently took a different job with about half the hours to help me move forward toward my move to nepal. this was a prayer-filled, well thought out change and so far it's been wonderful. i have been very intentional about using the extra time to be productive. i have studied for my missions perspective class, read my bible, weeded out clothing i'll no longer need and have taken it to the second hand store for consignment... i have read 2 of the 6 books recommended to me by TEAM, and started a bible study/mentoring program with a young woman from church. i have completed online fundraising tutorials and surveys needed before my week-long orientation in chicago next week. i have cooked and cleaned and decluttered. i refinanced my house at a lower interest rate to lower my mortgage payments so that my roommate's rent will mostly cover it while i'm gone. like i said, i have been productive.

one of the things i decided to do today was make a budget. i have never made a budget. in fairness, i have never had to. i make good money and live a very modest lifestyle. i have no debt except for my mortgage. even my jeep is paid for. i am not a "shopper"- the only money i really spend is on things like eating out and entertainment. i am never in danger of spending more than i make, unless i'm traveling. i figured that i could easily live on half my salary if i tightened the reins a little on those incidental things. over the past several months i have cut expenses even further by volunteering at the food bank (they can't give out the dented cans for safety reasons, so us volunteers get to take some home, thus lowering my food bill) and becoming a "karma yogi" which means that i clean the yoga studio for a couple of hours a week in exchange for free yoga/exercise classes. that will allow me to eliminate my gym fee too. i have started frequenting our local "discount grocery store" on days like monday, which is "monday mania" and rotisserie chickens are $4.49, and tuesday when bananas are 19 cents a pound! in other words, i have a plan!

back to the budget. i put down my average monthly costs for my mortgage and utilities. i was doing pretty well at that point. that left me with between $400 and $500 a month for incidentals. oh wait... i forgot gas. i only get 14 miles to the gallon in the jeep on a great day. better take off another $150- more while i'm driving to and from raytown for class. okay, i can work with $300 or $350. oops... the text message that just came in reminded me that i have a cell phone bill too. bye bye to another $85. so now i'm down to $225ish. omg- how did i forget about car insurance and my internet bill? after all, i'm using the internet to look up my online bill pay info. sigh. after it was all said and done, my total after those expenses was $107. i haven't even taken off for food, yet, or the extra $200 a month i will have to pay for health insurance now that i'm part-time.

moral of the story- do the budget BEFORE deciding whether or not to take the part-time job. i am not sweating it though. i will trust that god will provide. and i'm starting the "freegan diet" again. this will be good for me, right? what better way to prepare to live like a missionary than to actually live like a missionary?

p.s. yes, i will take and eat all your stuff that has expired but still doesn't smell too bad. :0)

Wednesday, September 21, 2011

how to make a rotisserie chicken last a week, and other freegan tips.

this entry is for all the foodies out there.

if there is one thing i love, it is good food. the decision to try to drastically cut down on my food budget had the potential to wreak havoc on my culinary bliss. as much as i want to save money, i don't want to eat boring, bland, or uninteresting food all the time. that would make a life not worth living. well- maybe that's a little dramatic. you know what i mean, though.

the first step in the plan to save was to limit myself to $50 a week for food. in the beginning, i hadn't decided if that included eating out, or just groceries. i budgeted for one $50 dillons card through my church every sunday (so that they could get a little charitable income, too), and when it was empty, i was done buying for the week. i found out a few things. one, it is really easy to eat for $50 most weeks. two, i must have spent a whole lot more than that before i started paying attention.

i did pretty well. the first week i spent my $50. the next week, i went a tiny bit over due to some purchases that would last me multiple weeks (spices, bulk items) and i totalled about $68. then the competitive side of me kicked in and i aimed to spend less. a lot less. the third week i spent about $30. the fourth and fifth weeks i spent $30 combined. the next week i spent zip. zilch. nada. i had my first dinner out, but it was a date and i was blessed with a guy that refused to let me pay. oh how i love chivalry! the only food money i spent was chipping in for appetizers for a coworker's going away party (miss you, tricia smith!) at encore restaurant- a bittersweet occasion. i would have much preferred to pay for her to stay! in essence, i spent $45 for three weeks' worth of breakfast, lunch, and dinner. i would love to pretend that i ate like a mouse and lost oodles of weight- but i'd be lying. i ate well, and here's how...

the rotisserie chicken:

do yourself a favor and pick up a rotisserie chicken, especially if it is on sale. i got one for $3.99 one evening at dillons, and in 30 minutues i had prepared 3 dishes that stretched for about 7 meals. the first meal didn't take much imagination- i had rotisserie chicken. period. i cut off one breast and one leg, and ate those with some steamed veggies...

... then i pulled all of the meat off the bone and separated it into dark and white meat. the white meat i chopped and made into chicken salad for chicken salad sandwiches. i added a little onion, a little mayo, and a little curry. you can make lots of other variations, though, depending on what's in your fridge. try grapes and walnuts, or dill and cucumbers, or green peppers, carrots, and scallions. be creative- it is hard to screw up chicken salad. you can even stuff it into a hollowed out cucumber "boat" and serve it like you're fancy. :0) 

i took the dark meat and made a simple chicken noodle soup, using chicken broth (or bouillion) from the cupboard, and veggies from the fridge. i used some baby carrots, celery, onion, and greens that were past their prime in my crisper drawer. swimming in a chicken soup perked them right up! i added some noodles from the cupboard, too, but you can use rice, or beans, or just the chicken and veggies if that's all you have. the soup was enough for 4 large bowls...

...i also bought a large loaf of italian bread for $1.59 and ate it with the chicken, the soup, and used it to make the sandwiches. leftovers made great french toast.

the moral of this story is that you can eat for 3-4 days for under 6 bucks, and not starve. i even had people at work asking for the recipes. maybe that'll be my next entry :)