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Archive for July, 2005

Farmer's market

July 2nd, 2005 at 09:32 pm

Went to a near-by farmer's market this morning. Spent $5.50 on produce (celery, green onions and tomoatoes). Then went to the grocery store and spent $13.38. Mostly on produce again. Between coupons and sales I saved $14.14 or 51%.

Total spent this month so far = $18.88

Went to the library and picked up some more holds. A bunch of stuff came in all at once so I have a lot of reading to do. I estimate the library is saving me $200 - $250 a month. I read 4 - 5 books a week, I listen to at least one book on tape a week. I read 3 - 4 magazines a month and I get CDs and movies on occassion. Plus it's so convenient, I can put things on hold online and pick them up only a mile away.

I cleaned the upstairs - two bedrooms and a bath. I'm pretty satisfied with the choices I've made about my spending overall. I don't miss very much and am content with what I have. But if I were to suddenly have a lot of money there is one area where I would definitely spend more - Cleaning! I had a cleaning lady a few years ago but I decided it wasn't worth $2000 a year so I've been doing it myself and I really, really, really hate it. But for now early retirement is a more pressing goal so I force myself to clean instead of hiring it out. I really loved having a cleaning person and having the whole house clean for a few hours at least. I pretty much clean in shifts since it's just me. One area one week, one area another week, so the whole house is never all clean at the same time, but life's too short to spend all weekend cleaning. Although that's a big part of my plans for this weekend since I went to long between cleanings this time and I can't stand it any longer Frown

I finished Declare Your Financial Independence by Cindy McIntyre. It had some good information but it's a difficult read, kind of boring. It's based on the principles in Your Money or Your Life by Joe Dominquez and Vicki Robin.

I also read Close to You by Christing Dodd, it's a romance/mystery book. Pretty good, a good popcorn book. That's how I describe a book without a lot of substance but relaxing and entertaining just the same.

July goals

July 1st, 2005 at 08:17 pm

Walked with mom for 55 min.

I get paid every two weeks so July is a 3 paycheck month instead of a 2 paycheck month. This paycheck goes towards expenses but next paycheck will go into savings.

I got a letter from SHARE offering a coupon for $3 off my next purchase. Since the monthly deal is only $21 that's almost 15% off.

My goals for the month of July are:

1. Only spend $400 for groceries, gas, entertainment, clothes, household basics and misc. My freezer is full thanks to SHARE and my pantry is full too, so I shouldn't need too many groceries, only produce and whatever is on sale.

2. Walk at least 5 times a week for at least 30 minutes each time.

3. Only go to fast-food restaurants twice and only eat at regular restaurants three times.

4. Save $1000 above my 401K contribution and on top of my third paycheck.

5. Save all of my third paycheck for the month.

6. Cook meals at least 2 times a week.

Read Medalon by Jennifer Fallon. It's a Sci Fi/Fantasy book. It's the first in a trilogy. Pretty good, will read the other two.

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