My mom used to say that to me a lot when I was a kid (I'm a stresser! lol)

And today was just that...a better day.

Hubby & I discussed the job issue and feel better.

We're in a rather odd situation because while most people are applying for jobs and getting ready to be in the job market again (with the layoffs on the way), my hubby can't. He is unable to do this because the company not only paid our moving expenses but they bought our previous house when it didn't sell in 3 months. Hubby signed an agreement to stay with the company at least 2 years or he will have to pay back the moving expenses.

October 09 will be 2 years.

SOOOO....unless the company cans his position, he can't do anything. He is a sitting duck.

Anyways, we talked about it and we're just going to do all we can do. We're going to go on normally (being frugal and saving money) and be prepared for the worst. There is nothing else we can do.
Besides he might have his job for another year or more, and by then the moving cost wouldn't be an issue.

This doesn't mean that I don't think the whole situation is morally wrong, but what can you do about it? Pray and hope for the best :-)

By the way, thanks to everyone who left such nice comments, it honestly made me feel better. I appreciate it. :-)

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So I got the school ball rolling. I'm excited that so far (Knock on wood) it has gone so smoothly. In a 24 hour period I've been able to submit my membership application, apply for financial aide (FAFSA) (and have it finalized - usually this takes a week or two), fill out the student loan application, set up my student account, do the online orientation and set up appointments with the academic adviser and financial aide for Monday!

I really hope that my English and Math credits transfer, I really don't want to do these two over again. Blah.

Once I have my student loan processing going I can register for classes.

Crossing my fingers it all goes well.

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So who is a black Friday shopper? Or do you shop cyber Monday deals? Neither?

I have a few things on my list for xmas gifts but I'm debating holding out until that weekend to see if there will possibly be any deals for them. I just feel like I'm being a last minute shopper (usually my shopping is done by now lol). But oh well, I really don't want to go over budget this year. I manage to go over budget EVERY year ... every darn time lol.

It's been pretty quiet around here lately, thank goodness. Besides a few bumps in the road (like not getting my last paycheck)...everything has been pretty smooth.

I was worried about our budget on one income again, but it seems to be working out ok, so far, knock on wood.

We've even been able to keep up with hefty (as in several hundred over the minimum payment) credit card payments. We hope to have them paid off by the end of next year. We'll see how that works out. I've learned not to depend on a "plans"...something usually happens to change them.

I'll be registering for school here soon, I'm not looking forward to yet another loan. But if I don't go to school and finish my degree I'm not going to have much of a chance at a decent income. So while were baby free I think I'll take the opportunity to go.

Even the grocery budget has been going well, I've managed to spend only a hundred or so for October (2 grocery shopping days) which includes household and pet items of course. Why I never budgeted groceries before is beyond me. When hubby and I first moved in together we'd just go to the store and wing it. Sometimes we'd spend ..... are you ready .... 800 bux on groceries and going out to eat!!! Ugh, you live and learn right? :-)

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One thing I've taken notice of when we started seriously budgeting was entertainment. When "rough" budgeted (other wise paid all the bills on time, then did w/e with the rest) we'd just go see a movie whenever, go out to eat, go to the theme park, go out Saturday night with friends....While I don't regret doing those things, they cost ALOT. Of course when we first starting dating, neither of us had much financial responsibility either.

Now it seems like we get board more often, lol. Which is fine, we're becoming more productive. Getting some house work done and what not.

We'll get used to it.

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The cat is home, and my goodness she has slept for 5 days. Shouldn't she be getting back to normal here soon? She has a follow up visit Wed....ugh. I love her, but she gets sick after surgery. When we adopted her she had just gotten fixed, and she was SO sick afterwords. And here yet again, she's sick. The last time all her meds and what not cost 60+. I hope she doesn't need all of that again.

Speaking of...her vet quoted us 218 for her surgery. Ok fine, we agreed. Then I go in to pick her up... 295!!!! They charged us 41 bux because she was over 6 months, come on seriously, 41 dollars? Then the rest was medications and her collar. Thanks, I appreciate it. Grr.

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Hubby & I sat down to plan out the rest of the year over the weekend, and family finally made up there minds when they are coming to visit. They are coming for 1.5 weeks :-) Yay! I'm a little bit home sick (I miss my family) what can I say?

Anyways, I don't think Hubby and I saved enough! lol. It's ok, we'll make ends meet. We set a holiday budget(saved up the funds), that I'm sure we can stick to. I saved up money for my birthday, and Hubby wants to go stay on a beach for his (which shouldn't cost too much), and I already bought my Mom's birthday gift. That leaves New Year's (we always celebrate with something special because that's when Hubby and I met) and our wedding anniversary. Then, voila!, another holiday season will be past.

We'll see what happens.

Well tomorrow is 1 week down as a stay at home wife, and I have managed to get quite a bit done. If no one is willing to hire me right now for work, than I plan to at least get as much as possible done at home.

First thing on my list: Closet Overhauling! We moved in a year ago and our closets were stuffed with unpacked boxes. Well, I finally got to them. 4 closets are successfully cleaned, sorted, and organized. :-) I ended up spending $71.00 on organization but I got (3) 4 shelf units and 2 medium plastic bins (PINK! for my closet). Not too bad I think, Lowes had the wired shelves for $50-70 a piece or the plastic shelving units for 20 a piece. Since they went into closets for only storage, I decided plastic would be just fine.

I also decided against switching the pets room and the guest room. I just used the guest room closets for storage :-).

Hubby and I are going to make a trip to Goodwill this weekend (we packed 4 big boxes of stuff to donate!) and the recycling center to drop off a broken TV and monitor (that the movers so kindly busted for us).

Ahh...I love organization!

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Lucky, knock on wood, no new big expense have come up (KNOCK ON WOOD!). The cat is getting her claws done tomorrow, so hopefully that will be the last biggy for a bit.

We fully funded our holiday fund last week, but I think we'll continue to contribute all the way up until we go Xmas shopping. Even though I don't plan to spend a bunch this year, we can save the left overs for next years Xmas fund or put it in the emergency fund.

Personally I like to do my holiday shopping in October. But this year is the first year Hubby and I will buy almost all our presents together and he likes to shop online (particularity after thanksgiving). Which is fine, I can do his way too :-) I'm hoping for some good deals because I want to save money for when family is down to visit...I can't wait for them to get here. I think maybe we'll take a road trip to some theme parks here in FL since hubby has some free tickets :-)

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So I must say that I have a love/hate relationship with CVS. More love than hate lately. My only gripe is that they will put something on sale and then move it from its normal spot (sometimes) and I look like a fool roaming CVS looking for w/e or sometimes my ECBs wont print, then I have to go through customer service...we all know about customer service.

Anyways, today was a love day. I managed to get (2) Eucerin lotions (normally 15 a piece), (4) Listerine (2 small, 2 large), (3) bars of soap, (1) 3pk of hot patches, (1) hand sanitizer, and (4) sticks of deodorant for 7 bucks :-) I still have 25 in rewards for next week.

If only I could manage that sort of deal with groceries :-(. Oh well, I'm working on it.

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So I bought myself a book the other day (Ugh...why WHY don't I just go to the library? lol). Anyways...it's call "What to Eat", it covers EVERYTHING about food from organics to the chemicals in your food and anything in between.

Basically, I've come to the conclusion that unless you grow your own fruits and veggies and that is ALL you eat, your damned if you do...damned if you don't.

Soy for instance...there is just about equal amounts of literature (from what I've found anyway, I could be wrong of course) that states 1) it helps prevent a list of diseases 2) does nothing for you and 3) causes the disease it claims to help prevent.

LOL. Not to mention all the crap that is in our food. It seems to be unavoidable.

I think I'll just go on as normal. I try my darnedest to educated myself as much as possible when I don't fully understand something, but sometimes there is just a no win. Besides, I have several family members who eat nothing but straight JUNK FOOD and they are living pretty darn healthy into their elder years. Not that I plan to eat only junk food by any means.

The only thing I hope to wiggle into our grocery bill is a bit more organic food. Not all, just some (dairy for instance, and some produce that absorbs the most).

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So yesterday was my last day at work. It was sad to say bye to everyone (I never have been very good with the whole good bye thing anyways). It's not very often that most of your co workers make you laugh on a daily basis. Hopefully we'll keep in touch.

Several of them said that they knew of somewhere or another hiring, we'll wait and see how that is working out.

The job market right now...sucks. Looking for something to fit my schedule and close to home doesn't make things easier, if not darn near impossible.

Something always works out though, sooner or later.

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Last weekend was a bit of a spendy weekend. I spent 120 on groceries BUT I stocked up our kitchen to the brim! Publix had a rather large BOGO free sale, so I stocked up. I even managed to get some completely free items (not included in the BOGO sale obviously), like bread and veggies (frozen)...even managed two free bottles of shampoo. I don't mind free, that's for sure.

I'm going to go grocery shopping tomorrow (since I'm home...ugh), just to pick up a few odds and ends. I'm trying some new recipes this week :-D. Tonight I'm trying a Sara Snow recipe, home made Mac and Cheese with roasted tomatoes on top ... mmm.

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So I managed to pay off 1/2 my credit card and save almost 1K while working at my job. Not to bad for 6 months. I think I'll put my savings into the emergency fund, it will be a nice boost since were about to take 200 out for the cat.

Hubby and I also saved quite a bit in the Christmas fund (we'll be fully funded in the next two weeks) and saved 250.00 for my birthday fund.

I don't make a big deal out of my birthday, but every year since I was 12 or so I like to go shopping for clothes for the next year. It's just my thing, so I save up for it.

Hubby's and Mom's birthdays are 4 and 5 days after mine, so its nice to have some money put back for some extras.

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I don't know if this next presidency is going to make, break or maintain us but I hope we see something good come out of it.

To be honest I'm an undecided voter. There are so many issues on the table it's hard for one candidate to have all the right answers, so to speak. On that note, there are so many issues on the table I'm not confident that we're going to see any major changes for awhile. But maybe we'll be rather surprised and find that everything works out for the best in a timely fashion. :-)

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Fall is here! Living up north I LOVED summer time, but now that I live farther south...fall is gorgeous. It's not humid, around 65-75, and the ocean air smells just awesome. I'll be looking forward the next couple months are far as weather is concerned...

So last year I embarked on a weight loss journey, like most of us do at some point in our lives. I lost 16 lbs over a years time (I yo-yoed a bit), and maintained since then.

It's no secret that you can lose weight by eating less and moving more. But does that mean healthy?! No, eating less junk doesn't make it healthy.

So about two or three months ago I started to research organics, chemicals, vegetarian living, "green" living, etc. I've found that the studies, never ending books, and internet articles are rather interesting...and alarming. The amount of chemicals and junk in the food we eat is awful, and the stuff in our house hold items? Ew.

But anyways, my concern is...HOW do you make this work on a budget? While it sounds strangly backwords, it seems to be cheaper to buy junk than "healthy" food. Not in all cases of course, such as in season produce and what not. For instance, let say that I have cereal & bread on my list. I need to feed my hubby and myself for a week. The supermarket has Special K on sale buy one get one free, and I have a coupon (lets sayit comes out to 3.00 for 2 boxes). But now I'm looking for organic and natural chemical free foods...so I look for my new found product and low and behold...its over 5 dollars for A 12 oz box. Next I go for bread, regular whole wheat is buy one get one free (2.79 for both) OR the organic loaf is 3.79-5.00 per loaf. While this doesn't seem like much, over a period of time...adds up.

Next on to house hold products. I have toothpaste and laundry soap on my list. I have a coupon for Colgate toothpaste (1$ off) and its on sale for 1$...FREE! But then I turn to find the "all natural" stuff...and its 3-4.00 per tube. On to laundry soap, a months worth of Era is about 11 dollars or so at Sam's...the natural stuff is 15.00.

All in all I'd probably be looking at a 20% increase on my grocery/household bill. This is not good...conidering in 7 working days I'll lose my job and we'll be on one income again.

But if everything I've read is true (I know you can't believe every single thing) than would it be a worth while investment for my hubby and I?

Slow, slow week at work. Ugh, I'm doing my best to stay awake. I hope it isn't like this the remainder of my time at this position.

Since I had time on my hands I planned out my shopping and chores for the weekend. We don't need a ton, so I'm pretty sure we'll only need 60 or so for groceries and households. It would be nice if I could stay in the 175 range for the next two weeks.

I'm fixing our grocery budget. I started tracking monthly spending in the middle of the month, so it messed up my whole spreadsheet. So I'm going to track for the remainder of Sept. by itself, then track month by month starting with October. I'm also concidering keeping track of my savings (via store sales and coupons). Why not know how much you didn't spend, as well as what you did?!

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I read something interesting on CNN today. "What have you given up?". Readers wrote in about what they are giving up with the economy downturn.

I was amazed to see so many people struggling to the extent that they are. I wasn't completely oblivious to the ordeal, just didn't sit down and actually focus on it. While I completely understand that life happens and as a result we all have hard times...we've all been there. But as I read more and more entries about giving up cable, shopping for new clothing on a regular basis, and not going out to eat 3-4 times a week...I had to wonder, are we having hard times or pissed cause we have to cut back on luxeries?! Both maybe?

My great grandma used to say "you can live with a lot less than you think you can" (spoken like a true depression survivor). She was completely right. While I understand giving up things that you enjoy are tough and not in the least bit fun, I don't think it defines "I'm not making it".

Since when does a luxery rack up in the same catigory as food and shelter?

Just, odd.

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I finally have the cat's appointment set. October 8th, 218.00. Ugh. I feel strange about the whole thing, we're spending a good portion of money and putting her through surgery for something "cosmetic" (if you can call it that). But I don't want to replace all the furniture and trim in the house either. She's made it very obvious that shes a home wrecker lol. Just the other day I decided to leave her out while I ran to the store, I came back and she pulled the table cloth off and busted my salt and pepper shakers. I'm sure that it would cost much more than 218 to replace things that she has scratched up or broken.

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Hubby got an assinment to go on a work trip Sept 29-Oct 10. Grrr. I feel like I just picked him up from the airport! At least work will pay for this trip. He is going to get some training for a large project to do here at home, so when he gets back I'm sure he will be working plenty of over time. That should be fun
:-(. He doesn't get paid OT, he is salaried...a nice cherry on top for the situation :-P! BUT at least he has a good job that pays well (knock on wood).

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I'm having a bit of a personal conflict. Back in MO I didn't finish my degree and worked full time. When we moved I got a full time job that pays well but now I'm being pushed out the door (laid off). I'm sick of this job to job crap (excuse my language), I want to go back to school and finish my degree. Hopefully that will help with some job stability. I don't feel like I'd be making a ton more with the degree, but I feel that I will def. have more oppurtunities.

My conflict is...should I work full time and put school second? Or should I go to school full time and put work second (PT)?
Hubby and I are ok on his salary alone. It is a bit tight, but nothing extreme. We still end up with some left over every month.

Decisions...Decisions...

Hubby called the insurance agent yesterday and they are going to adjust the insurance bill we got last week (for 700, it was quoted at 350ish)...so knock on wood that all works out.

We still need to meet with the insurance agent about lowering some of our cost because while I'm happy to have the bill fixed, were still spending 4500+ per year on insurance. I understand that we live in a "hurricane" state, but any help we could get to soften the blow everytime we get an insurance bill would be much appreciated.

Some had left comments about our auto insurance (thanks!) and I believe were about as low as we're going to get on that. We have a lowered rate for being married, no tickets or accidents (KNOCK ON WOOD!!), and so on. I haven't checked into the safe driver course though that some have mentioned...I'll def. have to do that.

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On another note, grocery shopping.
I started keeping track in the middle of the month (back in april or so) now when I calculate the "previous" month spending it accounts for the last two weeks & the first two weeks. I don't know why I haven't changed it. Ugh. Put it on my to-do list.

But anyways, Hubby & I spent $310.12 in the last 4 weeks on household and groceries. $89.88 under budget. Hopefully I can keep it at that, or better yet, keep going lower.

For awhile after we moved it seemed like the grocery stores didn't really have a ton of sales around here...until recently. Publix has started B1G1 sales and 50% off sales (usually frozen veggies) which have helped a ton! Most of the time I have a coupon to match the item. I got veggies this week for .60 per bag, and .20 per bag the week before.

I'm hoping to adventually work my way down to 250/month on groceries. I have a small stockpile going (thanks to the publix sales!) which obviously will help once that grows.

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Speaking of stockpile...Hubby & I were talking the other night. We are running out of storage! So even if I wanted to have a larger stockpile for sale items, baking items, or house hold items...I don't really have anywhere to put them.

Well, I have to make a confession here. The pets have thier own room. Since the dog broke her legs we are extra precautious about her safety (She stays on the floor at all times, no jumping on and off furniture) so when we have company over or we aren't around to watch her (shes a jumper) she has her own room.
Don't worry, a "pet room" was not a requirment when we were house shopping...we just happened to have a small extra room in the house that we weren't using. And of course Maggie (the cat) moved in there with her. So, since the cat is older and were getting her declawed and the dog is calming down a bit we think were going to move them out of there and make it a storage room (we have other things that need to be stored too). We'll leave it open so the animals can still get in there beds, food and potty areas but the cat will sleep where ever and the dog will stay in her (large!) cage at night while we can't watch her.

At least the good side to the "job ending" situation in a couple weeks is, I'll have plenty of time to do all of these things!!

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I've been thinking a bit about holiday shopping (seeing as how I like to get it out of the way in October or so) and I want to stay frugel and well, helpful this year. Buy or make things that will actually mean something and the recipent will actually USE!

So, I've decided that I'm going to take advantage of my scrapbooking hobby and make all of our xmas cards (I have the supplies I need already) and I'm going to make some scrapbooking gifts. It's something that is low cost and doesn't have to come out of our holiday budget because I already have all of the supplies. Besides a picture is worth a thousand words...right?

As far as something they will use, well what do you buy for someone who has everything they want/need?? I think we might be doing a good amount of gift cards this year (gas cards maybe? or Visa gift cards?)....Idk, we will see.

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The count down is on, 11 working days left. The job market is not at it's best right now. Finding a decent paying job (that isn't 45 minutes away) & works with my pending school schedule as well as hubby's schedule seems to be all but impossible.

It will all work out, in time. My impatience isn't helping :-)

So, a moment of thought/frustration on insurance.

Hubby and I have auto insurance (for 3 cars, one of which is hubby's first car (a Beretta, my Cavalier, and a Cobalt), house insurance, personal liability, personal property (our wedding rings), and flood insurance.

Back home we paid around 2300/year for all of this except the flood insurance (which is about 400).

We recently switched insurance agents (same company) and got all of our policies adjusted. The agent told us the personal liability would probably be around 350-400 dollars...OK we can deal with that. We get the bill....700 dollars!!!

Then we sat down and totaled up our insurance cost for one year...over 5000 dollars!!!

5 Grand for something we hope to never use?! Ugh, but I'm afraid it is something that we feel is important. Yeah, you may never use it but it only takes one time, then you'd wish you had it.

What gets me even more so is that it seems if you ever need to make a claim (and Lord forbid you need to make 2 claims in a 10 year period) that 1) your rates hike up or 2) they drop you!

It's a vicious cycle. But what can you can do?...Pay it.

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Hubby & I ran some errands today. We decided we needed a new pan (one I tend to use daily). Our current one is Teflon coated and the coating starting coming off! Ew, can not be good for your health. So we went out and bought a stainless steal pan (23 dollars)...I'm sure I'll use it forever and then some. I won't be buying anymore Teflon coated pots or pans.

I also treated myself to a chopper for the kitchen, I had a coupon for Bed Bath and Beyond so it was only 8 dollars. I cut up onions and freeze them...it was a decently agitating experience to stand in the kitchen cutting up a whole bag of onions to freeze (my eyes were rather red and watery).

I went to Wal-mart to grab a few household items...they had Fabreeze noticeables on sale for 5.97 and I just so happened to have a 5 dollar off coupon :-) & I had a BOGO free coupon for Febreeze fabric refreshers. We ran into Office Max, because I had a $10 off $10 purchase and could use some Post It notes..So all in all I saved 22 bucks today. I'm always up for a good deal.

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So, has anyone started holiday shopping? Or do you shop all year around?
I tend to do my shopping in October. I have a serious problem with holiday shoppers. Just the public in general while shopping (is it so hard to say excuse me? Id be happy to move for you), but it seems like the holiday season shopping is just awful sometimes.

Anyways, Hubby and I save up a holiday fund all year and luckily we don't have a bunch of people to buy for. Just our parents (we're only children), a few friends, and each other. I'm going to stick to the holiday budget this year! I tend to spend way too much on gifts every year. Maybe I'll make some gifts? I'm mostly looking most forward to family coming to visit, so I'm not going to be overly concerned with gift buying...it shouldn't be all about gifts anyway. right?

First off let me say that in the recent months we (Hubby & I) have managed to avoid some rather high cost bills. In July I had my wisdom teeth removed, and Insurance paid 1450 of the 1500 bill. Also, Hubby is flying out next week and FIL gave him his flyer miles to use...so he got a $450 flight for free. For all this, I am grateful. Very grateful.

I'd really like to keep our savings going strong, but I'm rather concerned that when my job is finished up and were on one income again, that keeping savings going will be a rather difficult task. Difficult but not impossible! Even if we can only put 25 bucks a month into savings, its something, right? :-)

The first place I obviously can cut from is our grocery/household/entertainment budget. I budget 400 per month for groceries and household...about 100 for entertainment (we go out to each usually once a week). I don't go over budget, but I don't exactly stay under by a large margin either. I seem to come in at about 350-400 per month. Of course I have been trying the whole coupon thing...but I have a gripe about couponing.

I have Publix, Winn Dixie, Super Walmart, CVS, and Walgreens within 5 miles of the home. Great. Usually I'll shop the best deals at all of them. But here is my gripe. None of them double coupons, nor do the coupons hardly ever match up the sales. Even if they do match up with the sales, it's not things hubby and I generally eat. Our staples consist of baking supplies, meat (ground turkey and chicken), bread, and produce. Most coupons are for processed goods such as poptarts, chips, granola bars. I make our snacks from scratch...granola bars, muffins, fruit salad, etc.

Granted I do find some coupons to use, for some soups, cheese, etc. Generally I use about $5 per week in coupons for groceries (which in all honesty $5 savings per week does add up over a year, 260 bux!). My question to anyone who cares to put in their 2 cents is, if you're in this situation, how do you cut cost? Also, is 400 (all other bills are paid before this amount comes out of our monthly income) a reasonable budget for 2 adults (this does include household products which I tend to buy in bulk at Sam's if I don't have a coupon/sale for it I.E. toliet paper and kleenex)? I use coupons, shop sales and deals to stock up when I can, try to buy generic, and go to a farmers market for produce (I LOVE the farmers market!). Any advice would be greatly appreciated. Thanks :-)

I must say though, I am rather envious of this lady(link). She has mastered couponing by all means.

http://jane4girls800dollarannualbudget.blogspot.com/


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On another note, if you haven't figured it out by now (hint: Winn Dixie) I live in the south and I'm rather concerned about the hurricanes coming our way. Hurricane Ike in particular. Cat 4 already! Over night! Ugh. My husband is going to be out of town next week when it possibly hits the US so I'm seriously concidering just putting up the shutters before he leaves and heading up to see family about 6 hours north for the week. I have the option of doing most of my work from home if I have to. The problem being that if I don't get called for anything, then I don't get paid. LoL. But I'm deathly afraid of storms (I grew up in Tornado country!) and my hubby wont be here, I'd rather be safe than sorry. Besides I could use some family time. Most of my family is still back in MO, and I miss them.

I must say that I really feel for the people in the Bahamas, they are getting slammed by every storm coming through! Seems like as soon as one storm leaves, a new one is literally right behind it. Ugh. Our enviroment is changing, slowly but surely. Very active hurricane season.



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I wanted to say Thank You for all the lovely "welcome" comments yesterday. I appreciate them! :-)

Have a good day everyone.