Friday, July 10, 2009

Provident Living - Budget during unemployment

As part of Frugal Friday, I decided to share how I budget since I recently showed my mom and she exclaimed "I was trying to figure out how to do exactly this!". I'll explain what I do and then there is an image of my spreadsheet (with made up numbers).



All the financial books I read tend to do budgets on a monthly basis. That probably works for those who have a monthly paycheck or even twice a month paychecks. But for us, we've always had bi-weekly paychecks. So a long time ago, I started using Excel to do our budget. I've tweaked it over the years and right now I'm loving it.



Across the top, I have two columns per paycheck (if Love and I both have a paycheck on the same day, that day would have 4 columns). At the top of each column, I put the date of the paycheck. Next comes the expected amount. Then those two columns per paycheck are broken down into the date the bill/payment is due or paid on the left and the amount to come out of that paycheck on the right.



Going down the very first column on the far left are a list of all our expenses/bills. The next column shows how much is generally paid for that expense. Then I look at when that bill is due. I then assign each of the next upcoming bills to a paycheck, making sure it's before the bill is due. I also leave a few rows blank at the bottom for various expenses - like a trip or birthday (then instead of the due date, the expense is written in the left column of that paycheck)



At the bottom of each paycheck, I have the spreadsheet automatically total how much I've assigned out to expenses for that paycheck. Then underneath that it shows how much I have remaining. If I have extra after expenses, I then add a second Savings line for an additional amount to add to our savings.




Thursday, July 9, 2009

Starting a new Chapter in Life - Unemployment

In May, we learned that 14 people at Love's job would be laid off by July 1 (out of 680 employees). Because there were only 2 people on his team at this location, we thought we were safer than some. But in the meantime, I started evaluating how we could cutback and put off buying things that we didn't NEED until we heard our status. I also started using my clothesline more (added reason was with rising temperatures, I didn't want to heat up my house with the dryer). And I kept thinking we would be told we were moving to the corporate offices.


Then THE Wednesday in June came. People were starting to be told that their job had been eliminated or moved to a different city. Love was told he was to meet with one of the big wigs at 4:45 pm. And we knew we were going to be impacted. The question was would he have a job in another location or was he being laid off. The meeting didn't last long. He was being laid off. His official termination date would be at the end of the month, but he was no longer working. And it was a lot bigger than 14; 70+ people were laid off.


But we are BLESSED! Because we had received the warning a month earlier and the Spirit had whispered to me that we were in for a change, I have been fine. At first I was cheerful in fact, but now I'm tired.

We are also blessed financially. We have been following Dave Ramsey's baby steps and through hard work and provident living, we are on Baby Step 3. That means we have no debt outside of our home mortgage and are working on our 3-6 month emergency fund. With our savings, an even more frugal living effort, and his severance, we will be able to survive in semi-comfort for a while. And if we find a job relatively soon, we should be able to quickly complete Baby Step 3 and move on to Baby Steps 4 and 5 in quick succession. We are both anxious to be on Baby Step 6 (paying off our mortgage)! It was thrilling when we received his last official paycheck last week to actually put $500 into savings!


Love has his bad days where he feels defeated because he's not out there providing for his family. But Princess1 and Princess2 are LOVING having Daddy home. I'm liking it too because I can sometimes go to the store, just me. Or go visiting teaching without having to find a babysitter. Princess1 and Princess2 will have a ROUGH time when Daddy finally does go back to work (which means I will have a rough time too). In the meantime, we are loving having Daddy around more.

As for the job hunt, we keep looking, applying and interviewing (yes, he's had a few interviews but no offers yet). I think the worst for Love is waiting to hear after the interview. So if you hear of an opening for a Network Engineer, let us know. I'm going to work on posting his resume this week.

Wednesday, June 24, 2009

WFMW - Smoothies

We are THAT Family is hosting Works for Me Wednesday! I love Wednesdays - I learn so many tips!

Here's what works for me this week, or more this summer. My family loves smoothies! So I decided to share my smoothie "recipe".

Pour into your blender 2 cups of juice (my husband prefers orange juice)/lemonade/limeade.

Add:
4-6 oz yogurt, any complimentary flavor
2 handfuls frozen fruit
1-2 handfuls ice

Blend until smooth. Taste test for proportions (I usually want to add a little more frozen pineapple or peach).

Pour into cups with a straw (go skimpy on the kids cup though - I hate to find a half-filled smoothie cup later when I could have had more).

If you want to make it creamier, you can use some ice cream, frozen yogurt or sherbet instead of some of the fruit and ice.

And now that I've made myself want to go make a smoothie, that works for me!

Thursday, June 18, 2009

Free Movies at Founders Park

2009 Movie Lineup - Just Released!-->
July 10 – “Singin' In the Rain” (NR)
July 11 – “The Bucket List” (PG-13)
July 17 – “Igor” (PG)
July 18 – “Ocean's Thirteen” (PG-13)
July 24 – “Madagascar 2: Escape from Africa” (PG)
July 25 – “He's Just Not That Into You” (PG-13)
July 31 – “Kung Fu Panda” (PG)
August 1 – “Iron Man” (PG-13)
August 7 – “The Tale of Despereaux” (G)
August 8 – “The Express” (PG)
August 14 – “Hotel for Dogs” (PG)
August 15 – “Swing Vote” (PG-13)
August 21 – “Wall-E” (G)
August 22 – “Hannah Montana The Movie” (G)
August 28 – “High School Musical 3” (G)
August 29 – “West Side Story” (NR)

I see several that I want to put on our schedule. Maybe we'll see you there.

Saturday, June 6, 2009

Hawaiian Haystacks

I made Hawaiian Haystacks for dinner tonight and told everybody on Facebook that's what I was making. In just a short time, I got 2 requests for the recipe (or maybe they just wanted to come eat?). Do I'm posting it here for everyone to enjoy. Now this is the recipe the way I make it (following the instructions from my friend, Mom McIlquham). But if you want to cheat, you could use boneless skinless chicken breast and store bought chicken broth. But you won't feel like Molly Mormon :) if you do. I am a blogger but not a professional blogger - so no pictures of me making this or of a completed serving on a pretty plate.

First you make your chicken mix and broth.

Chicken Mix...
Place 4-5 lb whole chicken into 4 quarts of water with 4 carrots (peeled and cut up), 3 T parsley, 2 t basil, 4 t salt and 1/2 t pepper. Bring to a boil and then simmer for 1 1/2 hours.
Save the broth you've created and put it in the refrigerator. Let chicken cool. Then remove bones and skin. Cut up the chicken meat - that's your chicken mix. Skim the fat off your broth and freeze extra broth.

Hawaiian Haystacks

2 cups chicken mix2 cans cr. chicken soup1 cup chicken brothMix together in pot and heat until warm/hot.
Serve with rice and toppings - your choice what you put on your plate.Rice
Chicken Mix
Chow Mein Noodles
Tomatoes
Pineapple chunks
chopped green onions
slivered almonds coconut
shredded cheddar cheese

You will need to then save your extra chicken mix and broth in 2 cup containers in the freezer. I actually prefer my own broth - much cheaper, I know how much salt is in it and I skim off the fat to make it "low-fat" broth.

Enjoy!

Wednesday, June 3, 2009

WFMW - Giving Beggar her pills



Today's Works for Me Wednesday has the theme of Mom I'm Bored. I haven't figured out how to deal with that yet. My 6 y/o has just started saying she's bored or that she has nothing to do. I normally respond with "Then go clean your room". That normally stops the complaining - although it does little to get her room clean. On that front, we'll be following LazyOrganizer's notebook idea for the summer and see if that works to motivate her.
But my tip of the week is how I'm giving my cat her medicine. We realized that our female cat, Beggar, has been having seizures. Her vet recommended that we try seizure medicine to see if it helped. The first day I tortured both her and me by sitting on my bed with the cat crammed between my legs, holding her head still and prying open her mouth with one hand while trying to toss the pill down her throat with the other. And no, she did not take this calmly.
I finally got a lightbulb and off to Dillon's I went. I bought her some new treats - soft ones. Now, I put her pill in the middle of a treat. Smash it around the pill. Add a couple normal treats and put them in front of her. She gobbles them whole and we're done. I'm thrilled because I know she's getting her medicine (and it is helping). She's very happy (and so is Malley, our other cat) because she's getting treats twice a day now.
And that Works for me!

Tuesday, May 26, 2009

Free Kids Movies at Campbell 16 Cine

Wehrenberg has posted the schedule for free movies this summer, including at our Campbell 16 Cine.

Here's the schedule....

6/3-4 Open Season 2
6/10-11 Kung Fu Panda
6/17-18 Tale of Despereaux
6/24-25 Madagascar 2
7/1-7/2 Stuart Little 3
7/8-9 Marley and Me
7/15-16 Space Chimps
7/22-23 Hotel for Dogs
7/29-30 Bees
8/5-6 Happy Feet

Not sure how many we'll make it to but I'm interested in Kung Fu Panda and Tale of Despereaux.