Archive for the ‘ Monthly Spending Summary ’ Category

Monthly Spending Summary (May)

Saturday, June 21st, 2014

If you want to see exactly what I purchased, check the posts under My Deals for more details.

Well, I did really well with my grocery spending again this month.  Even if I hadn’t had the gas savings I would have almost been under my $220 budget.  But the gas savings are what really gives me a boost.  Not only do I get free gas, many of the items I purchase actually turn into moneymakers with the deal!  I estimate that I make about $20 a month on average thanks to the gas deals that I do.

I’m almost tempted to drop my grocery budget back down to $200 a month.  We had raised it the beginning of the year to help give us a bit more leeway since we are now a family of 5 and since grocery prices are rising.  But since I’ve been able to do so well I’m thinking of dropping it to $200 for the rest of the year and putting that extra $20 a month (or $140 for the year) into our budget for fixing up our house.  There are some projects there that I’d really love to get done and the extra budget would help.  And I think we are eating quite well anyway, so I don’t really feel like spending more money on our food and household needs!

I do love having the extra though.  It’s freed me up to not have to be quite so focused on doing deal shopping which has been wonderful this summer when life is busier.  Plus it is good to take a bit of a breather from it occasionally too, just to refocus and not get burned out.  Because face it, deal shopping is work.  Why do you think most people don’t bother doing it?

For those of you that care, here are the stats…

Monthly Grocery/Household Budget: $220
Total Spent: $65.24
Total Saved with Coupons: $84.98
Total Saved with Sales: $80.01
Total Saved: $164.99 + $167.00 in gas savings (thanks to grocery purchases)

Week 1: $3.17
Week 2: $76.88
Week 3: $55.90
Week 4: -$62.70 (this was a negative due to gas savings credit)

Credits: $8.01
I cashed out my Saving Star earnings.  This is such a simple way to save and I love that it can be combined with sales and paper coupons!

Ending Monthly Balance: -$154.76
This is the amount that I am under budget for the month!

Ending Annual Balance: -$449.59
In case you are confused, this is the amount I am under budget for the year.  I’ve mentioned before that I do a lot of canning and freezing so in the next couple of months I’ll be spending quite a bit of money on fruits and vegetables for that.  Still, I think I’m sitting pretty well and like I mentioned above, I’m very seriously considering dropping my budget to $200 again.

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Monthly Spending Summary (April)

Thursday, May 22nd, 2014

If you want to see exactly what I purchased, check the posts under My Deals for more details.

I was a bit under budget again for the month and quite a bit under budget for the year.  I’m kind of wondering if we really would have needed to up our grocery budget for th year…although I know I’ll have lots of expenses once I start buying produce to can and freeze.  And I have to admit, having the extra $20 a month has been kind of nice.  It frees me up a bit and I’ve not been doing quite as much couponing the last couple of weeks as a result.  I still coupon, just haven’t gone to quite as many stores as I often do.  Sometimes a break is just necessary and nice!

Monthly Grocery/Household Budget: $220
Total Spent: $185.73
Total Saved with Coupons: $82.21
Total Saved with Sales: $83.08
Total Saved: $165.29 + $107.90 in gas savings (thanks to grocery purchases)

Week 1: $69.90
Week 2: -$7.66  (this was a negative due to gas savings credit)
Week 3: $85.93
Week 4: $37.56

Ending Monthly Balance: -$34.27
This is the amount that I am under budget for the month!

Ending Annual Balance: -$294.83
In case you are confused, this is the amount I am under budget for the year.  As I said last month, I know this is a lot but at the same time I know it will disappear fast this summer once I start buying fruits and veggies to can and freeze.

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Monthly Spending Summary (March)

Saturday, April 19th, 2014

If you want to see exactly what I purchased, check the posts under My Deals for more details.

Oh goodness, you all.  I was so surprised and excited when I started crunching the numbers for this Monthly Spending Summary.  I knew I was doing pretty good this month but I had absolutely no idea just how good!   I basically didn’t spend a cent this month out of my $220 grocery budget thanks to gas rewards savings at Giant and the $13 that I got back from Saving Star and Ibotta!  I know, it sounds too good to be true, right?  That’s what I thought too and ended up doing the math several times to make sure I wasn’t missing something.- but I wasn’t!

Basically I purchased a lot of different things at Giant that were part of their gas deals and then put that savings back into my grocery budget.  And a lot of the items that I purchased as part of their gas rewards ended up being moneymakers too so that helped a lot as well.  If you are wondering how it all worked out and want to see specific deals that I purchased, just click the “My Deals” link at the top of this post.  And if you live near a Giant grocery store (or Martins in some areas) you seriously might want to consider starting to do the gas deals if you don’t already.  If you want a great website that helps you figure them out, check out Forthemommas.com.

Okay, so for those of you that like to see the numbers, here they are!

Monthly Grocery/Household Budget: $220
Total Spent: $0.51
Total Saved with Coupons: $155.07
Total Saved with Sales: $185.17
Total Saved: $340.24 + $198.53 in gas savings (thanks to grocery purchases)

Week 1: -$39.34 (this was a negative due to gas savings credit)
Week 2: -$54.89 (this was a negative due to gas savings credit)
Week 3: $57.99
Week 4: $36.75

Ending Monthly Balance: -$219.49
This is the amount that I am under budget for the month!

Ending Annual Balance: -$260.56
In case you are confused, this is the amount I am under budget for the year.  I know this is a lot but I know it will disappear fast this summer once I start buying fruits and veggies to can and freeze.  Because, trust me, I do a lot of food preserving.  (As in about 100 qts. of applesauce, 50 qts. green beans…well, you get the picture!)

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Monthly Spending Summary (Feb.)

Saturday, March 22nd, 2014

 

If you want to see exactly what I purchased, check the posts under My Deals for more details.

Ah, it was good to be so far under budget for the month.  I started the year out badly by being way over budget in January and I really wanted to get back on track this month.  I like to try to be under budget by quite a bit the first part of the year because from June to September I usually go over my monthly budget amount because I am buying fruits and veggies to can and freeze.  So if I can get ahead the first several months of the year it really helps me out then.

I had some major saving thanks to gas rewards at Giant grocery this month and that helped a lot.  The other thing that gave me a boost was the fact that we had 12 meals brought to us by our church family over the first several weeks after Adelyne’s birth.  I used very little food that I bought over those weeks thanks to the generosity of our sweet friends.  We enjoyed delicious meals, many of which were big enough to give us a second meal.  It was wonderful!  And I was reminded again of what a blessing meals are to families with new babies.

Monthly Grocery/Household Budget: $220
Total Spent: $96.68
Total Saved with Coupons: $86.05
Total Saved with Sales: $146.02
Total Saved: $232.07 +$120 in gas savings (thanks to grocery purchases)

Week 1: $63.76
Week 2: $-77.10 (this was a negative due to gas savings credit)
Week 3: $19.57
Week 4: $90.45

Credits: $21.98
* $7.98 via Saving Star for ecoupons redeemed
* $14.00 for a Staples rebate for paper that I bought there and used grocery money for

Ending Monthly Balance: $145.30
This is the amount that I am under budget for the month!

Ending Annual Balance: -$41.07
In case you are confused, this is the amount I am under budget for the year.  Last month I was over budget by a little over $100 dollars so being so much under budget this month helped bail me out.

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Monthly Spending Summary (Jan.)

Thursday, February 27th, 2014

If you want to see exactly what I purchased, check the posts under My Deals for more details.

As you know, for a long time we’ve had our grocery budget set at $200 a month.  But after quite a bit of deliberation we’ve finally decided that it was probably smart to increase that amount to $220.  There were several things that factored into this change but the main reason was simply that we figured now that we are a family of five we are also going to slowly have an increase in expenses too.

In all honesty, there was a part of me that wanted the challenge of still trying to make the $200 a month work.  But at the same time, I knew I had enough other things to worry about (don’t we all?) and realized that it was really kind of crazy to leave it there.  So even though we’ve upped it to $220, I wouldn’t necessarily mind if I could keep my spending at $200.  Obviously we’d have no problem knowing what to do with the extra that we saved!  But at the same time, knowing that I have the extra $20 there a month kind of helps free me up a bit too.

You’ll see that I went over budget pretty drastically this month already and you might be wondering how in the world I even thought I’d manage to stay with the $200 a month!  Here’s the thing.  I really don’t mind that I went so much over budget because 1. I was buying ahead so that I wouldn’t have to do much shopping for a couple of weeks after the baby was born and 2. a lot of my spending was for things that I bought at Giant as part of their gas rewards deals.  We didn’t redeem our gas rewards in January but I got a huge gas savings credit in February as a result of a bunch of my purchases in January.  So basically what I’m saying is that it will even out.

We look at our budget a bit differently than some people do.  For our grocery budgeting I tend to look at it as a yearly budget.  So for instance, I went over budget in January but then I’ll try to be way under budget in February and get back on track.  And as long as I’m under budget or on target by the end of the year I don’t worry about it.  I know that might sound a bit risky, but I’ve kind of learned how to make it work and I like the flexibility it gives me.  Obviously, this method will not work for everyone and some of you are probably thinking it’s kind of nuts!  But it’s worked out well for us and so far, I’ve never been over budget when the end of the year rolls around. I know a lot of you have wondered about this so hopefully that helps answer your questions.

Anyway, here are the stats for the month:

Monthly Grocery/Household Budget: $220
Total Spent: $324.23
Total Saved with Coupons: $183.31
Total Saved with Sales: $135.82
Total Saved: $319.13 + $120.00 in gas savings (thanks to grocery purchases)

Week 1: $34.06
Week 2: $58.40
Week 3: $21.53
Week 4: $111.14
Week 5: $99.10

Ending Monthly Balance: -$104.23
This is the amount that I am over budget for the month!

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