Thursday, April 27, 2017

3 Ways to Save Time on Grocery Days

Image courtesy of Google Images.
     Cut the time you spend working on your day off!  I have spent so much time on my weekends cleaning, grocery shopping, and prepping for the next week that I'm missing the time to enjoy life.  There are three ways I've tried to reduce the amount of time I spend grocery shopping at least.
     According to the Time Use Institute in 2008 (I know dated info), the average amount of time an American spends between Saturday and Sunday is 44 minutes.  This is just in the store, it doesn't include the time preparing to shop, traveling to and from the store, and unpacking of the groceries.  
Personally, when I add in extra time for the baby I have to bring with me to the store, I'm spending upwards of 4 hrs on a Saturday "grocery shopping".  This is totally time I could be enjoying life.
     In efforts to remedy this situation, I've tried a few convenience companies that I thought would save me time.

     
This company provides basic household products (dry goods) and ships them right to you.  This would be fine, except that I spent 3 hours attempting to find coupons to use with the sight.  In the end I did save a significant amount of money, but I forgot the goal was to save time.  Oops.


I liked that the pantry items shipped to me.  It obviously saved me time from going out to shop.  The only personal issue was that I like to grocery shop as soon as I get my paycheck and thus get instant gratification.  I didn't get that feeling since I had to wait for the items to arrive.  Also, there is a yearly fee associated because it is a Prime feature.


Love it!  I can go through their entire stock and pick out what I want.  I can make substitution instructions incase my personal shopper has a problem locating the item I want.  That same personal shopper will make notes into the final e-mail once my order is complete.  I also get to get the groceries same day if I want to.  Or I can set up to pick them up later in the week.  I do have to drive to the store, but I don't have to get out of the car or load the car myself.  I kind of feel lazy for doing this.  However, I remind myself that using the service provides me more time with my family and I don't have to lug the baby in and out of the store.  Not that I lug her, I carry her with love and pride.  :)

So, if you are looking to enjoy the time in life more, try out some of these online shopping conveniences.  See if your local grocery stores will deliver or at least do the shopping for you.





Tuesday, April 18, 2017

Now What?

Image Courtesy of Google Images
     I've figured out my financial plan.  I've made spread sheets and made thermometer charts.  I'm ready to fix my finances, but now what?  What am I supposed to do between paychecks?  I've always spent time worrying and planning for the next pay day.  Now that I know what I am doing when with my money, I'm not sure what to do with myself.
     It actually makes me very anxious to think I don't have anything to do.  I mean, even my house is clean.  What's left to focus on?  Well, I'm here to tell you it's time to focus on yourself and self care.
     What is self care?  Self care is self initiated and purposeful.  It is activities chosen by you that bring you happiness and renewal.  I found myself putting together these dots after I 1. made all my financial plans and 2. had a talk with my doctor about my eating habits.
     So here are where two roads converge.  My doctor had helped me adjust my diet around 2 months ago.  During my check up she asked how I was doing.  I told her that the after noon, after work, was my most difficult time not to eat.  I told her that with my under active thyroid, I'm tired most of the time, but at least during work I had to keep going.  Afterwork, there is nothing to make me keep going.  I'm just waiting for time to pass until it's time to make dinner for my family.  So, I eat snacks while I wait.
     My doctor suggested that I find an activity that renews my energy besides eating.  The act of eating is supplementing my happiness that I don't feel because I'm tired.  I eat, I have temporary energy, I'm happy.  I don't eat, I'm tired, I'm unhappy.  Sometimes I clean or I make plans, very organized activities that make me feel happy, and not hungry.  But, what do I do when everything is clean, and everything is organized, and planned for?
     My doctor suggested the usual, exercise, take a walk, read a book, just find something that gives me energy rather than takes my energy.  So, of course, I Pinterested activity options and found a lot under self care.  I was actually very picky about my activities.  I knew I did not want to clean, I did not want to exercise (I've already got a schedule for that), it had to be cheap, and it had to give me energy (or at least not take it).
     Here are my top 5:
1.  Pinterest
2.  Sit outside and watch the world.
3.  Draw with my oil pastel crayons.
4.  Watch a show.
5.  Play with my children.
     The last week I've been laid up because I threw out my back.  I've only managed to enjoy watching a show, but I look forward to doing other activities as I heal.  It took some getting used to, not doing anything, but after time I think I will learn to enjoy it.
 

Monday, April 3, 2017

The Failure Spurs Future Hope

Cartoon Courtesy of Google Images  
      Last I wrote I had to find $109 dollars to take out of my flexible budget and put it into my savings/debt budget in order to be successful at creating a 50/20/30 Budget.  Well...I'm here to tell you I've failed.
     That's right, I failed.  I put off adjusting and thinning the flexible portion of my budget until the second half of the week because I didn't know how I could thin out my expenses.  I knew this because I've gone through Pinterest a million times and read over and over articles telling me how to thin them out, but I've never found anything new that I was already doing.
     I finally tried on Thursday and I was right.  I was not able to make my budget fit the 50/20/30 Budget.  You may be thinking I failed because I already thought I would fail, but either way, I failed.  I wasn't sure how to handle my failure because I knew I had to not only face the readers of my blog, but of course, I had to figure out what to do about my budget.
     I also put off what to do about my budget, out of fear of failure.  I didn't know what to do until today.  I've actually been avoiding Pinterest because of my fear of failure, but today I sucked it up.  I searched Pinterest for pins about beginning budgets, but what I found was much better.  I found asunnysideuplife.com .
Image Courtesy of asunnysideuplife.com
     This is Sami.  Today she gave me future hope.  She took me through her journey taking Dave Ramsey's baby steps.  Never heard of Dave Ramsey?  Then you are living under a financial rock.  He is THE leading mind in finances!
     Sami wrote a great article in her blog that gave the overview of what her family went through as they took Dave's baby steps.  Starting with their failure to truly begin following the steps.  If you want to read her blog click on her picture.
   What I learned from Sami was that it's okay to fail.  It's okay to not know what you are doing at first.  I learned that I have to keep trying though.  Her debt was five times more than mine and she made it through.  So, what did I do with the information and new found hope?
     I started again.  This time I decided to follow the advice of Dave Ramsey and follow his baby steps.  What are they?  Well, good question.  They are as follows...

Image Courtesy of Google Image


     Tonight I started with making a budget sheet for my bi-weekly paychecks.  More importantly I made a list of all my debt from smallest to largest.  Today starts my journey to save $1000.  I know I can not (most likely) save money in the month of April or May seeing how I have 3 birthdays to throw.  I vow to put whatever is left over each paycheck into the $1000 savings pot.  I vow to start a visual reminder of my goal, such as a picture of a savings thermometer.  I vow to commit myself to my family's future!
     If you want a copy of my budget sheet, you will have to wait until next week.  There are bugs to be worked out first.  Sorry.  Until then, visit Sami at asunnysideuplife.com and check out Dave Ramsey.