Pantry Challenge – Week 3

Monday dinner: BBQ pork on rye bread.

I acknowledge that our meals are not always the most balanced, but this is only dinner, and often other meals fill in our dietary requirements, plus I do not always list everything we are eating.

We had a family meeting this past weekend to discuss how paychecks work and how we were going to handle the lower paychecks I am receiving. We talked about hourly versus salaried positions. We talked about the daily life of a mortgage and bills.

The kids voted for staying hourly, and they said they wanted to make $10 per hour, or if it is salaried they wanted $100 per month. I had to tell them this amount was not something I could honor. Husband said if we switched them to $10 per hour we would need to charge them room and board. I have read of people doing this, slowly giving their kids more power over money, and showing them how to manage it more completely.

Most of this discussion stemmed from the kids wanting a more regular paycheck.

Yes, we give the kids paychecks, not an allowance. They have chores they have to do just because they are part of the family. But then we have what we call working days. On these days the kids are paid for how many hours they work. It is generally weekend cleaning or farm and garden work. We keep track of hours worked and try to pay them once per month, however lately we have misplaced time sheets and put of paying for months, and some months they get more than one paycheck.

It was an interesting discussion, and I like the idea of slowly giving over more money for them to manage. Occasionally with his paycheck boy child will buy us all dinner and girl child will buy an item of clothing she needs. He is naturally better with his money, but I think she is learning. I need to remember to get the money to them in smaller bills so that they are more able to easily assign savings, giving, and spending.

So in this time of transition, while we rework our budget and fix our debts, we will keep their paychecks small and hopefully, slowly, we will all be better at managing our money.

Tuesday dinner: Quinoa and asparagus (from the wild patch in the neighbor’s field)

Went to the grocery so the kids could pick up some snacks with their paychecks, and I bought the essentials: peanut butter, coffee, and popping corn.

Wednesday: potatoes and taco seasoned meat

Thursday: Rice and bbq pork

Friday: Foccacia and maranara

Saturday: Salad and egg sandwiches

Sunday: Popcorn and frozen strawberries

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Pantry Challenge – Week 2

Monday dinner: leftover roast chicken, random grabs – Monday evening we have ballet, so often we grab something to munch on our way out the door, I provided the roast chicken, but everything else was up for grabs.

Monday was hard. I spoke with Turbo Tax and Bank of America. Found out I really do owe $1000 to the IRS for money that was juggled during our Home Affordable refinance in 2013. I didn’t notice the line item on my 1098 in 2014. So frustrating, first I get a credit card paid off, and now I have another debt to add. And after much discussion with the kids we decided we are not taking the summer ballet class. I spoke with the ballet director and had to say no to summer ballet, no to boy child helping in hip-hop class this summer, and no to helping the set and design for the mini-ballet event this month. I have a very hard time saying no. Especially when I really want to stay involved in ballet and the usual involved moms are also not helping.

Tuesday dinner: Tomato soup, potato salad, pickles, chicken cookies

Wednesday dinner: Breakfast links, farro grain, and asparagus

Thursday dinner: Pork roast and garlic bread (made by the husband while I was at meetings)

Friday dinner: Whole wheat focaccia, bacon, and red sauce

Saturday dinner: Corn bread and bbq chicken

Sunday dinner: Baked fish and onion buns

2 weeks complete and we have not needed any groceries. I think I will need to pick up a few staples this week. What do I consider to be a staple? Peanut butter, flour, coffee.

 

Pantry challenge – week 1

Well we survived the first week of no spending. We did need to buy shoes for the hubby and the boy child. I also picked up some split peas to make soup from the leftover ham in the fridge. So not completely spend-free, but much better than other months.

Almost immediately after making the decision to not shop I felt an urge to go shopping. The thoughts in my head were about what I wished I could buy, even if it wasn’t a need. I wanted to go buy more pasta. I wanted to pick up fruit bushes. I wanted to buy bleach. Then there is the problem of 9 & 11 year old kids. We had gotten into the habit of grabbing snacks at the Dollar General or buying fresh fruit or vegetables at the grocery or string cheese for lunches. We have plenty of food in the house, but not the “right” food for our silly desires.

Monday dinner: pasta and asparagus
Tuesday dinner: split pea soup
Wednesday dinner: fiesta pasta
Thursday dinner: sloppy Joes on garlic bread
Friday dinner: pizza
Saturday dinner: roast chicken
Sunday dinner: chili made by boy child, Jelly roll made by girl child

I’m really uncertain if this is the actual dinner list, funny how fast it leaves my brain.

Here’s on to another week.

Goal: I need to plan better so that I know what I plan to cook each night and can pull items out of the freezer or pantry.

 

Budget Cuts

Exciting development for us – we have finally reached the threshold of not qualifying for assistance. The wonderful dreaded point where suddenly we are on our own financially. No medical assistance for the kids. No help through the hospitals to pay for medical bills. A boost in income that leads to a downfall in income.

After much frustration through the new¬† health systems, we discovered that the kids were officially no longer covered by MA beginning March 1st. I was able to get them enrolled in my works insurance as of March 15th. As is lovely in health care they were able to bill us for the full month even though they wouldn’t extend coverage for the full month, and they billed me 2 months in advance. To catch up I am spreading out those 2 months bills through my next 4 paychecks. This is in addition to the amount withdrawn for actual monthly bills.

Enter the ultimate in budget rearrangement.

For the next 3 months we are hoping to avoid all grocery and farm purchases. If you see this and panic for us, you need not worry. We have 2 full chest freezers, and rows of canned goods. Beyond that, we have access to free food distributions (Matthew 25) and I also know about Ruby’s Pantry. But ultimately we shouldn’t need either of these.

Food and farm budget line items are not the only ones being slashed. We are cutting everything we can cut. No more gym membership. No more emergency coffee or candy purchases. No clothes. I will pay everything that must be paid, but it might be smaller amounts when I can manage it.

I am hoping that by receiving these ultra tight checks we will be able to fix our budget problems in the long term. I have watched our food and farm budgets blow up in recent years and I want them under control.

So who wants to join me in a pantry challenge!