Back on the Cash Wagon

IMG_7084 FullSizeRender

I created these envelopes to get myself back on track and following my cash only budget plan. The first photo shows a bank envelope and two that I made. I like the envelopes that I get at my bank but they are boring. I took apart a bank envelope and traced it onto thick scrapbook paper. I cut it out and folded it. The only glue needed for these envelopes is the tab across the bottom. You can see the flaps a little easier in the close up shot of my Christmas gift envelope. There is a slot for cash and also an extra flap that you can tuck your receipts into.  I do not record all of my spending but I like to keep track of my receipts so I can see what I am spending my money on and see where I can cut back when I need to save more.

This is the budget that I try to stick too every two weeks. I get paid on the 1st and the 15th of the month. Each time I get paid I withdraw $400 and divide it up as follows:

week #1 gas and groceries $100

week #1 flexible spending $100

week #2 gas and groceries $100

week #2 flexible spending $100

Christmas: anything extra

I don’t like to carry around a lot of cash so I only carry the current week’s envelopes with me.

Ideally when I’m out of cash, Im done. If I am careful this usually works. The past three times I got paid I did not pull out the cash and I thought I could follow my budget using my debit card, how wrong I was! I ended up getting charged three different times from my bank for overdrawing my account. I had to pay a total of $90. The sad thing is that I had the money, just in a different account. So I am back to the cash system. It has worked for me since July (5 months). I am obviously not ready for a debit card.

I will make a few more of my own envelopes and just change them out when they wear out or I get tired of them.

Please share any of your budgeting tips. We can all use new ideas. ❤

 

The Owl Sweater Has Been Adopted

IMG_7093I finally finished the Owl Sweater and I am very happy with it. This sweater was designed to be a fitted sweater and I don’t like anything too tight so I made some alterations to the pattern and I didn’t do the darts. The sweater ended up with a boxy shape and I liked it. I thought the sweater fit nicely but it was very long.  I hadn’t planned on that happening and I was stumped. See the post Owl Sweater for the link to the pattern.

The other issue is that even though I soaked the sweater in vinegar and later in hair conditioner, it was still too itchy for me. There is a joke in my family that I am so sensitive that I am the princess and the pea. Yeah, that’s pretty much me. What can I do? I have sensitive skin. Mom was at my house today and I showed her the sweater and she asked if I was being a princess, yeah probably so. I insisted she try it on and tell me its not itchy. She tried it on and loved it. She agreed it was a little itchy but it didn’t bother her.I gave  her the sweater, se was so excited. I know myself pretty well and I know that I will never wear it if it is the least bit itchy. Honestly, it looks cuter on her than me. It fits her like a sweater dress and looks adorable with leggins. Mom isn’t sure she wants to add the eyes. (Each owl should get 2 small buttons for eyes).  She loves it and I told her it was her early Christmas present ❤

Mommy got the sweater.

Mommy got the sweater.

Furry Baby Friday

A story of Maggie (black, alpha, age 13) Marry Grace (black, submissive, age 9), and Millie (spotted puppy, age 2) told in photos and captions.

mary and millie

Hi spotty Millie. Nice to smell you.

save me

Oh *%#$ Millie you are a little to friendly and spunky for me. (Mary Grace hides behind papi)

maggie and millie

Maggie is the alpha dog and teaches Millie she is a little too playful for this old girl. ( Millie is 2 Maggie is 13) A few growls later, they worked it out.

mary hiding

Mary Grade is terrified under the dininig room table.

millie sleeping

Puppy Millie blissfully asleep on the couch.

Maggie is too disgusted with all of the silliness to sit still for a photo. She is sulking in the corner.

If you would like to join in the fun please share a link to your furry baby in the comments. We don’t discriminate, all furry babies are welcome. I will post a round-up next Friday.

This week’s Round-Up includes our friend Ajax. Who doesn’t love a pile of stinky laundry? ❤ Thanks Ellen at projecteasier  for this adorable addition.

ajax laundry

projecteasier.com

Where I Need to Go

feetI almost gave up on my goal to write a blog post every day for the month of November in NaBloPoMo and it’s all because of my foot. I have been successful in planning my posts and organizing my ideas so I have something to share every day then, BOOM I fell.

I have had this pain in my heel and it was getting worse by the day. I knew I would have to go to the doctor and probably get another cortizone shot in the bottom of my foot. The needle is big and painful and I really wanted to avoid it. Nope, not after flailing arms and flying keys in the parking lot of a huge mall left me kissing the pavement this past weekend. I had bloody knees and painful feet and I knew I would have to visit Dr Needle for my shot.

I pretended to be an adult and I went to the doctor first thing on Monday. I got the shot and promised Dr Needle that I would follow all of his orders and wear the special shoes with orthotics. I love to go barefoot. No more bare feet! Boo!  I am recovering and feeling better little by little so I felt like I could refocus on my blog.

I was unhappy that one little derailment in my life kept me from posting for 3 days. I am back and I hope to keep on posting. In the end I am grateful that I bounced back so quickly. When I was in serious pain I though about each step I took and reevaulated paths througout the day. I don’t take my feet for granted and thankfully they still get me where I need to go.

 

Planner Tool Kit

Years ago I bought my husbtoolbox frontand the black version of this craftsman tool kit for him to use for everyday tools. A few days ago I saw someone using the adorable pink one for their planner supplies and knew I had to have it. For around $13 I acquired the very handy, beautifully bright Craftsman Planner Kit. It easily fits my purple Day Timer, 4 Moleskine notebooks (waiting on their Postdori which is on the way), a medium size pencil case with lots of room to grow. I especially like the outside pockets which can hold lots of pens, pencils, highlighters and markers.

Grumpy Cat is a silly surprise for the grumpy hubs.

toolbox side

I Love the Rain

rainsmileI really do enjoy the rain. When I was little I was very afraid of the rain. I was a nervous kid and many things frightened me, weather included. I was terrified of the earth shattering booms of a thunderstorm. My dogs are terrified of the rain, thunderstorms, lightning; they hate it all. Their fear reminds me of begin a child scared of the unknown. We comfort the pups the best we can and they have their spots where they find some solace during a storm. It never seems to be enough, until it passes us by.

Now as an adult I find the sounds of rain very comforting. Sometimes I like to open my window, just a bit, to hear the raindrops falling. I enjoy restful sleep when it is raining outside.I am comforted by the rain and the cocoon like state it offers. I feel like life is slowing down and being cleansed of everything. The rain is giving us the opportunity to start anew, try again, and continue forward.

If is not raining where you live and you are looking for this relaxing sound you can listen to 10 hours of Gentle Rain  on you tube. Who knew.

 

Haiku: Focus and Stray

haiku focus stray

Focus on the task

My mind wanders to the beach

Just one more stray shell

 

I am always dreaming of the beach when I should be doing my work. My hubs collected all of the sea glass in this photo in Cape May, NJ. This is a small fraction of the sea glass we have. I do not have the eye nor the patience for finding such gems.

 

Click on the Weekly Haiku Challenge photo to join in the creative fun at ronovanwrites.wordpress.com
rw-weekly-haiku-challenge

What the Holidays Mean to My 7 Year Old Nephew

What the holidays mean to me
Candy in your stocking
presents in a box
playing basketball wearing new underwear and socks
all the food and
all the thanks being given to you.
making the toast- it will be charming, funny and true
play with your presents
maybe eat  cookies and drink some milk
and put on sweaters made of silk
Take down the stockings
And remember to say bye to all
and try not to fall
Tyson H.
I cheated today. I am posting a cool poem written by my nephew Tyson. I love him to bits!!