tag:blogger.com,1999:blog-63378954507308187002024-02-06T23:17:03.252-07:00Jessie's Money & Our Growing Families TooA Canadian Personal Finance BlogJessiehttp://www.blogger.com/profile/11259285806446208884noreply@blogger.comBlogger1077125tag:blogger.com,1999:blog-6337895450730818700.post-44947219111146961152020-02-21T05:00:00.000-07:002020-02-21T05:00:08.390-07:00Homemade Hootch<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnbTdcna31E4kZ1hUwp1wPyqEpJGGkhRZGlO8SaH0ZmJf7QO8T0r4wFKUUivHr1NeaWaWDKaGc64Bj3d1epmqm4EVOZ-NqwYcJxL_4GQWqEJZvNbz0LB5f0zhX3PAx1Hvz29cgZOBV8-g/s1600/2020-02-18+10.21.22.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnbTdcna31E4kZ1hUwp1wPyqEpJGGkhRZGlO8SaH0ZmJf7QO8T0r4wFKUUivHr1NeaWaWDKaGc64Bj3d1epmqm4EVOZ-NqwYcJxL_4GQWqEJZvNbz0LB5f0zhX3PAx1Hvz29cgZOBV8-g/s400/2020-02-18+10.21.22.jpg" width="400" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
I've just recently started a new batch of fruit wine and it's been a while since I last <a href="https://jessiesmoney.blogspot.com/2016/04/wine-making.html" target="_blank">shared the cos</a>t so I thought I would review this again. <br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfDGHJ0Gei16jKPbUU-hNm5KEx9-cRwmDHGDsCXa9vEjmJpNSyQbSVNUcoiSRDMTa65yBeTpcjmpNxwgVPDh_B4D5vK_GOBz8jvoQz-4rgKURpQwye9GPAkSwqQDcLIdETa1R2Y6h-AZg/s1600/Dragon+Blood.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="581" data-original-width="603" height="307" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfDGHJ0Gei16jKPbUU-hNm5KEx9-cRwmDHGDsCXa9vEjmJpNSyQbSVNUcoiSRDMTa65yBeTpcjmpNxwgVPDh_B4D5vK_GOBz8jvoQz-4rgKURpQwye9GPAkSwqQDcLIdETa1R2Y6h-AZg/s320/Dragon+Blood.PNG" width="320" /></a></div>
<br />
You can see that the cost is about $1.30 a bottle!!<br />
<br />
The frozen fruit is the most expensive element. I no longer count the wine bottles as they've all been re-used at least half a dozen times or more. They don't owe me anything at this point.<br />
<br />
This quick drinker is called <a href="https://www.winemakingtalk.com/threads/dangerdaves-dragon-blood-wine.41825/" target="_blank">Dragon's Blood</a> and is Danger Dave's of the winemaking talk forums evolution of Lon's Skeeter Pee. It's a fruit wine with a lemon back that is ready in 2-3 weeks start to finish. It peaks at three months old so making it now will mean it's ready just in time for spring!<br />
<br />
<br />
Any other wine makers out there?<br />
<br />Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-24388079775039071782020-02-20T05:00:00.000-07:002020-02-20T05:00:02.383-07:00Weekly Spend - February (week 2)I fell behind in weekly spend reports for February so this is a bit of a catch-up. Given our splurge on photography for Little Miss' birthday and the Costco shop - we're already over budget for the month. Here's a look:<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9MIFhm3Ce6RPuk6sGxyTz3Vl9qCZzAQo5lWko3Fo4Bx6JJx28ON3NpKwEQ346djC7q-4E5KftQ__mpU4DiYdMy8Afmsvcekdz5CVzbkLA5iHyczMb2fLPENzblupyeXE12n4PD0AByuY/s1600/February+-+Week+2.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="460" data-original-width="358" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9MIFhm3Ce6RPuk6sGxyTz3Vl9qCZzAQo5lWko3Fo4Bx6JJx28ON3NpKwEQ346djC7q-4E5KftQ__mpU4DiYdMy8Afmsvcekdz5CVzbkLA5iHyczMb2fLPENzblupyeXE12n4PD0AByuY/s400/February+-+Week+2.PNG" width="307" /></a></div>
Let's go through this month so far -<br />
<br />
Both vehicles needed fuel this month, plus a trip to the city has gas hire than normal this month.<br />
<br />
Groceries are high due to the stock up at Costco.<br />
<br />
This week was our splurge eat-out week. We hit up the buffet at the local Indian Restaurant as well as a few too many stops at Tim Hortons and Dairy Queen. I think we'll rain this in for the rest of the month.<br />
<br />
Entertainment includes Disney Plus, Netflix, and a trip to the Hot Springs a few hours away.<br />
<br />
Pets spend is three bags of dog food which will last for the next three to four months or so.<br />
<br />
Clothes were for Jordan who just went back to work. He needed some jeans, t-shirts etc. His work is hard on his clothes.<br />
<br />
Kids Stuff was largely explained in yesterday's Costco shop post. It also includes about $1,400 from a photography session for Little Miss' first birthday. Gifts include those pictures and a few picture frames.<br />
<br />
Vehicle and Home Maintenance were also explored in yesterday's Costco post. There is also around $55 spent at the local hardware store for a few items around the house.Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-84918641754104581962020-02-19T13:00:00.000-07:002020-02-19T13:00:03.765-07:00Costco Shop<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4smfHZFFeOsMj3bCyBpYng8QiwXueKPINLgLOkmGysMEgW4GGsHJA88luDDRx_kg-bjVPZM_lPdHGbC_4qJcFzsO2N9xPtd4d3Mvk5e3XHTNlIK18542QdNsGcQfj_8rnkTKIz8bKSos/s1600/2020-02-16+12.16.04.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1558" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4smfHZFFeOsMj3bCyBpYng8QiwXueKPINLgLOkmGysMEgW4GGsHJA88luDDRx_kg-bjVPZM_lPdHGbC_4qJcFzsO2N9xPtd4d3Mvk5e3XHTNlIK18542QdNsGcQfj_8rnkTKIz8bKSos/s320/2020-02-16+12.16.04.jpg" width="311" /></a>This past weekend we did a Costco run to stock up on a few essentials (and some non-essentials). We have to be careful shopping at Costco. It is easy to assume everything costs less - many things do but not everything. It's also key to not spend on something that costs less if you won't use it before it expires. I've gone through the receipt line by line to come up with the summary above.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTaUK1ZCr6vSbD98w-znd5CzdGTc8mh4_mV7SNJzXDeN_kYVxPxz4p1TyGR3fTw3WggIh-9H69xmKK4gMIw4aJh2c-UAsbNWaZQWZOwqRbcV4sJGpbWSBTrrUrbo4PY_iyw3iyH0EjnRE/s1600/Costco+Shop.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="241" data-original-width="480" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTaUK1ZCr6vSbD98w-znd5CzdGTc8mh4_mV7SNJzXDeN_kYVxPxz4p1TyGR3fTw3WggIh-9H69xmKK4gMIw4aJh2c-UAsbNWaZQWZOwqRbcV4sJGpbWSBTrrUrbo4PY_iyw3iyH0EjnRE/s400/Costco+Shop.PNG" width="400" /></a></div>
<br />
<b>Gas</b> - This was the cost of fueling the vehicle after driving to Costco.<br />
<br />
<b>Costco -</b> After going through all the categories this is the amount that was leftover. It represents the taxes on all the items we purchased.<br />
<br />
<b>Kids Stuff - </b>The kids needed bathing suits for this coming summer season. Little Man also needed socks and undies. I also picked up for him a new book and a snorkel/flippers set for $25. Little Miss needed diapers and wipes ($36 for the diapers and $23 for the wipes) - so this is included here too. I also picked up a pack of three water bottles.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOLkB5zyhyJpUh0m6pcMYNLO3Tq0zFd5hf62a85nL91FTPln83qWeuDIwysjrlKudz3DCRko1NCrLLyCnIIEU__Nz0ZcTU6r6mNNxSx2bpNIjcEyGBp-ww7PUTUygVLA8jfn8j0X3YeLY/s1600/2020-02-16+11.30.11.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOLkB5zyhyJpUh0m6pcMYNLO3Tq0zFd5hf62a85nL91FTPln83qWeuDIwysjrlKudz3DCRko1NCrLLyCnIIEU__Nz0ZcTU6r6mNNxSx2bpNIjcEyGBp-ww7PUTUygVLA8jfn8j0X3YeLY/s320/2020-02-16+11.30.11.jpg" width="240" /></a><b>Groceries - </b>These are some bulk items that are simply less expensive at Costco. It includes frozen fruit, lunch snacks (yogurt, cheese strings), cheese, dumplings, baby cookies, coffee, syrup, trail mix, coffee, sugar, salsa, granola bars, icing sugar, dishwasher detergent etc.<br />
<br />
<b>Home Maintenance - </b>Metal water bottles for Jordan and triple-A batteries.<br />
<br />
<b>Vehicle Maintenance - </b>This is windshield wipers for both vehicles and a case of windshield washer fluid.<br />
<br />
<b>Pets </b>- Three bags of dog food.<br />
<br />
<b>Medical </b>- This is some back & muscle pills.<br />
<br />
<b>Clothes/Shoes/Hair - </b>This includes jeans and t-shirts for Jordan. He just went back to work and needed a few things.<br />
<br />
<b>Gifts - </b>I printed some pictures and some are for our home, and some to give away to grandparents.<br />
<br />
<b>Alcohol - </b>Picked up a bottle of whisky for Jordan and a few bottles of wine for the cellar.<br />
<br />
phew. That's it.<br />
<br />
<i>That's it she says. It's a lot and it's what keeps the wheels moving.</i><br />
<br />
<br />Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-20894993689629129132020-02-03T06:00:00.000-07:002020-02-03T14:41:03.388-07:00January Wrap Up<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwiQYirwZJB843ea0281HElMD1nhiwrxvK1pWTpv_vzBgy6GBaXTAORQP_rxVw5jSAtZ2XLpM1rtiMVgXwwflnZ7Ae2xvVWmFDEZQpMG3h-qRf2PcWFXy7OJFfCxiYza96AbhnyYsOTHY/s1600/January+-+week+5.PNG" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="208" data-original-width="264" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwiQYirwZJB843ea0281HElMD1nhiwrxvK1pWTpv_vzBgy6GBaXTAORQP_rxVw5jSAtZ2XLpM1rtiMVgXwwflnZ7Ae2xvVWmFDEZQpMG3h-qRf2PcWFXy7OJFfCxiYza96AbhnyYsOTHY/s1600/January+-+week+5.PNG" /></a></div>
January 2020 has passed already! <br />
<br />
Let's look at how we did. Let's start with week five. We had to fuel up the vehicle this week. We were really good about avoiding eating out - and I think only bought a six-pack at some point.<br />
<br />
Home Maintenance was just a few more odds-and-ends for Jordan as he was finishing up our to-do list before he heads back to work tomorrow after his paternity leave comes to an end.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxc4qaSsR5nCyqdQbx0dmKhyVYBpxAkzF6Rwf_1up1g9vwnt2YhtBWNp30GG1pzyDVANR-lIndrAM6Ll9LYHaEr2OvJFT8fomnCAh8JXIfzlpXzQIMK9M2F09O-m7vz0NI4usC4ESrkik/s1600/January+-+week+5+combined.PNG" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="356" data-original-width="246" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxc4qaSsR5nCyqdQbx0dmKhyVYBpxAkzF6Rwf_1up1g9vwnt2YhtBWNp30GG1pzyDVANR-lIndrAM6Ll9LYHaEr2OvJFT8fomnCAh8JXIfzlpXzQIMK9M2F09O-m7vz0NI4usC4ESrkik/s320/January+-+week+5+combined.PNG" width="220" /></a>Here is our summary for the entire month. I'm largely happy with this. I think I need to look at how we budget - because I budget monthly we are paid and manage most expenses weekly - so January had a fifth week but I didn't change the budget which isn't really reasonable.<br />
<br />
Our total spend on groceries is the stand out item here - $1,365. It's more than we spent on any one month last year. It's also the least we spent on eating out all last year.<br />
<br />
Combined, on average, we spent $1,261 (881 + 380) on groceries and eating out in 2019. The only other change that I can attribute some of this too is Daycare. We're now packing lunches for the kids every week - which means buying (and making) a lot more snack foods for them. <br />
<br />
I've really enjoyed keeping an eye on our spend on a weekly basis so I'm going to continue through the month of February. We'll see what we can do about that groceries bill.Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com2tag:blogger.com,1999:blog-6337895450730818700.post-80841442738375015402020-01-27T13:00:00.000-07:002020-01-28T15:54:15.986-07:00Weekly Spend - January (week 4)<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrrziDuy9liDT7KzWeP0xFyr6fuXZc1WLE4G85O6If9A8q2q-ClFgMPj6lojaT1cTsb7QfzqKEkwqAIiSeseIU_K-Lt_bPuAPRTBTuppFzihgi7gcWyPxv7EuOgWp2F_Nr0O_ewtDkPNk/s1600/January+-+week+4.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="271" data-original-width="261" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrrziDuy9liDT7KzWeP0xFyr6fuXZc1WLE4G85O6If9A8q2q-ClFgMPj6lojaT1cTsb7QfzqKEkwqAIiSeseIU_K-Lt_bPuAPRTBTuppFzihgi7gcWyPxv7EuOgWp2F_Nr0O_ewtDkPNk/s1600/January+-+week+4.PNG" /></a></div>
<br />
Okay! Week four down - and we've landed a bit high.<br />
<br />
Groceries had a spike because we did some extra groceries to have around 15 people over for Baby Girl's first birthday.<br />
<br />
Little Man needed some special cream for his hands so medical was higher (usually it's zero).<br />
<br />
Kids Stuff was 1/4 payment of a photography session that we booked last minute for Baby Girl's birthday. I'll finish paying for this in the first week of February so the balance will show then.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5lAHzoP099nYFmCuo11No167bfn31Bh_SP3Gs0VFVHS1XEjYHOWXSGogPjX0HUo5_JbP_wwqJTzyPjQbUJRYxyJ2d9WtbO8uW9tWcanods734CbORxsLjLfE7dfopneTajIvRBgfwVe4/s1600/January+-+week+4+-+combined.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="401" data-original-width="244" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5lAHzoP099nYFmCuo11No167bfn31Bh_SP3Gs0VFVHS1XEjYHOWXSGogPjX0HUo5_JbP_wwqJTzyPjQbUJRYxyJ2d9WtbO8uW9tWcanods734CbORxsLjLfE7dfopneTajIvRBgfwVe4/s320/January+-+week+4+-+combined.PNG" width="194" /></a>Vehicle Maintenance was a surprise new battery for one of our vehicles. The car hadn't been run for a couple of months and the battery burst in the cold streak that we had. So that's annoying.<br />
<br />
Looking at the total spend to date we are at 98% of the budget and still have the rest of the last week of the month to get through. So we most certainly will be over. Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-29178562062507122812020-01-24T05:00:00.000-07:002020-01-24T05:00:06.383-07:00Soup Stock Day!It's Soup Stock Day!<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBcyWmpOX2PxfnElQHqjXVQzhH7Dpb39QAwy4MWdJQjO8Zd8S4izXUboffpcc4JteW_EKowU0SysRbwmxy9sG93kVtENUfWkhXO-gDDhw6fWrYsEK10dmBifL831j3C5jDya_v71YJ60E/s1600/2020-01-16+19.17.18.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBcyWmpOX2PxfnElQHqjXVQzhH7Dpb39QAwy4MWdJQjO8Zd8S4izXUboffpcc4JteW_EKowU0SysRbwmxy9sG93kVtENUfWkhXO-gDDhw6fWrYsEK10dmBifL831j3C5jDya_v71YJ60E/s320/2020-01-16+19.17.18.jpg" width="240" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMQDVlL7SbQw3U4uxjeyVtCLvgl26edeVc0HeVGxmmO5DF5G09Hpup8vXfCauuI4f5IxQXRZMYUTQJp0083LwEgWSle4lm6GZJXb7iFfmVG0KOkPnIWu52bMZ_KnRDAbBqH28I00LbqMA/s1600/2020-01-16+19.24.13.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMQDVlL7SbQw3U4uxjeyVtCLvgl26edeVc0HeVGxmmO5DF5G09Hpup8vXfCauuI4f5IxQXRZMYUTQJp0083LwEgWSle4lm6GZJXb7iFfmVG0KOkPnIWu52bMZ_KnRDAbBqH28I00LbqMA/s320/2020-01-16+19.24.13.jpg" width="240" /></a></div>
Every month or two or three, I save scraps of carrots, onion, celery, and bones from Roast or Chicken so I can make a big pot of soup stock. It's a great way to make your food budget go just a bit further - plus it is tasty.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHTNn9XWR_iG1piIcx_AhDCdnug9l0pxrzRdxdstsKx19JNmKY5SCQwWdkFDCaF4gtMDskO7JLXQwr9q4_-y0oqiUs6BDrKgJGKs8dmrpX0gcx6nxo1a4KlZ58y2BuZ82cFG6hyl8caq8/s1600/2020-01-17+12.03.03.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHTNn9XWR_iG1piIcx_AhDCdnug9l0pxrzRdxdstsKx19JNmKY5SCQwWdkFDCaF4gtMDskO7JLXQwr9q4_-y0oqiUs6BDrKgJGKs8dmrpX0gcx6nxo1a4KlZ58y2BuZ82cFG6hyl8caq8/s320/2020-01-17+12.03.03.jpg" width="240" /></a><br />
Unless your four - in which case, my toddler will tell you that soup = yuck. Every time.<br />
<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0WyTLlTCaCwf-L6c7fdo7nY40Oio7hMIiTmbPM-Vr4ZyohrWeuNdclg0XFnBCB5zkSBKsbODSuY9v7ixNudjNdI-sX8as2B1Xp991ph9QT62Z5K8YG5gTYMqdbTTIEunyoo67wcK5aL0/s1600/2020-01-17+12.49.56.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0WyTLlTCaCwf-L6c7fdo7nY40Oio7hMIiTmbPM-Vr4ZyohrWeuNdclg0XFnBCB5zkSBKsbODSuY9v7ixNudjNdI-sX8as2B1Xp991ph9QT62Z5K8YG5gTYMqdbTTIEunyoo67wcK5aL0/s320/2020-01-17+12.49.56.jpg" width="240" /></a>It's actually been a while since I've done this so I had quite a few prime rib bones saved up! <br />
<br />
I added mayyybe a tablespoon of salt to the whole batch, brought it to a boil then simmered for around 16 hours.<br />
<br />
I first used my big strainer to catch the big bits of bones, and then ran it through my fine mesh strainer twice to catch and little bits.<br />
<br />
My mom's trick is to then get the stock cold enough that you can scrape off the fat that sits on the top, keep this in a separate container and freeze both.<br />
<br />
When you're ready to actually make soup - use the stock-fat for frying up all your vegetables. You wind up with less fat overall in the soup, don't have fat separating in your soup and add more flavour back in then if you used oil or butter when you are making your soup.Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-4646997991720065602020-01-22T05:00:00.000-07:002020-01-22T05:00:06.792-07:00Caselot Sale!<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuzmHglzCobUeHdZgS2cJxMO3qWgU45o8UwZjol97m_q3Is3FLTgyo_nRpDc0uKArrldd-QkruP3bENJvWWlvuR7HJLNJi0WYDjnFYkDNVLDtSpW1uqlA11KyLrPSmO-JawICyNuW143A/s1600/2020-01-16+12.37.41.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuzmHglzCobUeHdZgS2cJxMO3qWgU45o8UwZjol97m_q3Is3FLTgyo_nRpDc0uKArrldd-QkruP3bENJvWWlvuR7HJLNJi0WYDjnFYkDNVLDtSpW1uqlA11KyLrPSmO-JawICyNuW143A/s400/2020-01-16+12.37.41.jpg" width="400" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
I spend a bit of time lurking on Reddit's personal finance forums and there seems to be a lot of chatter about how much people spend on groceries. So I want to spend a bit of time thinking about how our money is spent in this area, in more detail. </div>
<div class="separator" style="clear: both; text-align: left;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
I don't typically keep grocery receipts, but did for last week's big shop. We only have two grocery stores in my community - so suggestions around going to your local low cost shop don't work for me. We plan ahead, try to get to Costco every couple of months or so and we watch for local sales. Here's a peek at what some of our local costs are.</div>
<div class="separator" style="clear: both; text-align: left;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_fyXvWbhHxYjJs4qOK_bi6nUgtSgm_Cvd0l5Ml5fg_u02dkZlvp1chzBFCgfRxC1Wom45f-jEYi9fg1b_Z4ux8sY8rcM7ZD-GPZVgpLr_0cwxvAN3ZqnJ5vYXbuf-IZerKqupGNbjDKc/s1600/groceries.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="338" data-original-width="665" height="202" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_fyXvWbhHxYjJs4qOK_bi6nUgtSgm_Cvd0l5Ml5fg_u02dkZlvp1chzBFCgfRxC1Wom45f-jEYi9fg1b_Z4ux8sY8rcM7ZD-GPZVgpLr_0cwxvAN3ZqnJ5vYXbuf-IZerKqupGNbjDKc/s400/groceries.PNG" width="400" /></a></div>
<div class="separator" style="clear: both; text-align: left;">
If there is interest I can post this again as I get more historical information. My mom and I both track sales in the same excel worksheet, so that if I can't remember what a good price is I can go back and look. I've been negligent in keeping this up to date, but I am going to start doing this for a while again. </div>
<div class="separator" style="clear: both; text-align: left;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
...and no, we don't by strip loin steak very often but we did this trip so wanted to show it on the tracker. They were too thick and delicious looking to pass by.</div>
<br />Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-78250349752913581372020-01-20T05:00:00.000-07:002020-01-20T05:00:05.086-07:00Weekly Spend - January (week 3)Okay - here we go - week three!<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBp1qN5lSB91W8udCbRlfrQn03zjoziWGC2ylAyBDf3MbSgdsF1VIV_kSW0fkt6Ro216xE4dgikHLaE6_WDyMMUACpfBLiKCLk6KaLPAx_GrYm1G6RkBUTe3ZW-qms7yH5U92yhRXFZxw/s1600/January+-+week+3.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="173" data-original-width="360" height="153" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBp1qN5lSB91W8udCbRlfrQn03zjoziWGC2ylAyBDf3MbSgdsF1VIV_kSW0fkt6Ro216xE4dgikHLaE6_WDyMMUACpfBLiKCLk6KaLPAx_GrYm1G6RkBUTe3ZW-qms7yH5U92yhRXFZxw/s320/January+-+week+3.PNG" width="320" /></a>Before even doing my summaries I know that I'm closer to being on track than we were last month. Reason being? I was able to manage credit card payments (100% of the balance), without drawing from our Line of Credit! <br />
<br />
Woohoo!<br />
<br />
For the first time in three weeks, we fueled the Escape. We did a big grocery shop (case lot sale), stocking up on essentials. We went to the bakery twice and the liquor store once. We did one stop at the dollar store and spent $20 on kid's art and craft stuff.<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPI97ppI_oU1r5BNj6uGmCM12du9cE5aZ6Q4eHqeNa56nEyfnjdM9_yCvEOYGCuaQHSMyKEN_wAjXfQyWXuhvGp173VOdM9t2EEw_r1dqEC-g_5fWaQ6BitTE9RVGW83_0SPIaT_TThxw/s1600/January+-+week+3+-+Combined.PNG" imageanchor="1" style="clear: right; display: inline !important; float: right; margin-bottom: 1em; margin-left: 1em; text-align: center;"><img border="0" data-original-height="347" data-original-width="220" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPI97ppI_oU1r5BNj6uGmCM12du9cE5aZ6Q4eHqeNa56nEyfnjdM9_yCvEOYGCuaQHSMyKEN_wAjXfQyWXuhvGp173VOdM9t2EEw_r1dqEC-g_5fWaQ6BitTE9RVGW83_0SPIaT_TThxw/s320/January+-+week+3+-+Combined.PNG" width="203" /></a><br />
Here's the combined 1-3 weeks summary -- >><br />
<br />
<br />
You can see we have $550 left to spend in the budget. We do have baby girl's birthday at the end of the month so hopefully, we can stay on track.Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-87006900123913735252020-01-17T05:00:00.000-07:002020-01-17T05:00:07.242-07:00Eating In<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxc7fI9TiVsRHzxxa93Hb5up40hPoBz0_mReCgozuRWc73_LyuHMlnMX2k9yFPth1DJCy5KYx4l3lrxr1HQ_pUUE2kEOfxTYfjGMG4z256Ax3waOuq7MuypctFNgaVKUwo1_zFQwFQ2jw/s1600/2020-01-11+17.21.47.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxc7fI9TiVsRHzxxa93Hb5up40hPoBz0_mReCgozuRWc73_LyuHMlnMX2k9yFPth1DJCy5KYx4l3lrxr1HQ_pUUE2kEOfxTYfjGMG4z256Ax3waOuq7MuypctFNgaVKUwo1_zFQwFQ2jw/s320/2020-01-11+17.21.47.jpg" width="240" /></a></div>
We've been working hard at meal planning - in part to help just manage the after-work-daycare rush and in part to go out to eat less often.<br />
<br />
Don't get me wrong, we really enjoy eating out, however; we want to be more intentional about it. We want to go out when we're planning to do it - as a social thing not as an 'oh crap, did you take something out for dinner, no I didn't, we need to feed the kids' event.<br />
<br />
Last week we planned to have a pizza night. Recently we've been doing this with store-bought pizza shells. This time, however; I found a great <a href="https://www.blogger.com/u/2/I%20would%20ask%20that%20you%20try%20to%20make%20time%20to%20complete%20it%20by%20the%20end%20of%20this%20week%20so%20we%20can%20keep%20the%20momentum%20going.%20%20As%20you%20review%20the%20course,%20please%20consider%20the%20following%20when%20you%20provide%20feedback:%20-Content/message%20%E2%80%93%20does%20it%20flow,%20are%20we%20missing%20any%20key%20messages?%20-Audio%20%E2%80%93%20does%20it%20flow,%20is%20anything%20unclear?%20-Navigation%20%E2%80%93%20Are%20the%20instructions%20clear,%20do%20you%20know%20how%20to%20navigate%20the%20course%20and%20what%E2%80%99s%20expected%20of%20you%20as%20you%20click%20through%20-Animations%20%E2%80%93%20are%20they%20enhancing%20the%20experience%20or%20taking%20away%20from%20it?%20-If%20you%20have%20feedback%20for%20a%20specific%20section%20of%20the%20course%20%E2%80%93%20please%20take%20a%20screenshot%20of%20the%20slide%20your%20on%20so%20I%20can%20find%20the%20issue%20quickly.%20%20To%20find%20the%20assignment%20%E2%80%93%20access%20Oracle%20(ourpeople.golder.com)%20then%20navigate%20to%20ME%20%3E%20Learning%20%3E%20then%20click%20on%20Current%20Learning%20once%20you%E2%80%99re%20on%20the%20Learning%20landing%20page." target="_blank">recipe </a>online - quick and easy and made the dough myself.<br />
<br />
It was amazing! So good! We did one pepperoni and one cheese.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjx35y-XfM6eSDhYRXpL72pyCUf0nyQbBysLvz7MZt55_ViBoEy0z5tRD24XFKkihJupuvou-D3iuiJQVCaXvwOkYQp2jy0g-qjh_TEmHuwpnRSAIz2e0HltCdebIfLxa5LGsmfWskDM6s/s1600/2020-01-11+17.34.06.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjx35y-XfM6eSDhYRXpL72pyCUf0nyQbBysLvz7MZt55_ViBoEy0z5tRD24XFKkihJupuvou-D3iuiJQVCaXvwOkYQp2jy0g-qjh_TEmHuwpnRSAIz2e0HltCdebIfLxa5LGsmfWskDM6s/s320/2020-01-11+17.34.06.jpg" width="240" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0WYkTApoOzTSZOhXSnH6T0iDgVhlPNf1GJlSOxTHPE2fFqNtKrAFbRJ6ouufWb_lPvNZRAb6bX19jgHS4bJ9mk_RuI1SYx2LCivKZMXOhMmvXyPrribOhwVokMyT_tVM4JxvhJ7AyDJE/s1600/2020-01-11+17.52.31.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0WYkTApoOzTSZOhXSnH6T0iDgVhlPNf1GJlSOxTHPE2fFqNtKrAFbRJ6ouufWb_lPvNZRAb6bX19jgHS4bJ9mk_RuI1SYx2LCivKZMXOhMmvXyPrribOhwVokMyT_tVM4JxvhJ7AyDJE/s320/2020-01-11+17.52.31.jpg" width="240" /></a></div>
<br />
<br />Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-65614487765277228682020-01-16T05:00:00.000-07:002020-01-16T05:00:08.656-07:00Paint Paint Paint<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEBmh1O6TlQuvLuqzv-krnvKICUno7cp81ky18OoLV-HNspub0gCMNlR0PnapwWDGl4yLavkXLJd2FA_lt58za138srK7Atk4zCr5-TU1J6kjukiCvCnasCvyhQBbBjio3LAT6lUXQ5MY/s1600/2020-01-14+11.17.11.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEBmh1O6TlQuvLuqzv-krnvKICUno7cp81ky18OoLV-HNspub0gCMNlR0PnapwWDGl4yLavkXLJd2FA_lt58za138srK7Atk4zCr5-TU1J6kjukiCvCnasCvyhQBbBjio3LAT6lUXQ5MY/s400/2020-01-14+11.17.11.jpg" width="400" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
We recently 'finished' a basement renovation - finished in that we paid the last bill and our contractor has wrapped up. Now, that contractor just happened to be my Uncle - and he's infamous for giving homework when he's working for family.<br />
<br />
The kids did amazing during their first week of Daycare last week - and so this week Jordan's expecting to have four days uninterrupted. He has a stack of closet doors to paint and re-install, walls to patch and paint (after moving all our furniture downstairs the walls got pretty beat-up). I'm so excited for all of these small jobs to be finished - and I know he's excited for me to stop talking about all the tasks left on the to-do list.Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-32461075945250392882020-01-15T05:00:00.000-07:002020-01-15T05:00:15.920-07:00Art?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbUfYOxNPyPQ9QYa1QWqAVyyh9TSQFiu_F8jPLbj3vka2qNBoJPuCkSMMjmGwLuv7RNVgFPIH7CvCHvp7TIGN9e9fwKvyaSOIyjXLR-X6SpQBFjgf4VWiYKQxa9c1gvQCqiS8QKl_hS00/s1600/2019-12-29+17.05.12.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbUfYOxNPyPQ9QYa1QWqAVyyh9TSQFiu_F8jPLbj3vka2qNBoJPuCkSMMjmGwLuv7RNVgFPIH7CvCHvp7TIGN9e9fwKvyaSOIyjXLR-X6SpQBFjgf4VWiYKQxa9c1gvQCqiS8QKl_hS00/s400/2019-12-29+17.05.12.jpg" width="400" /></a></div>
<br />
We made this.<br />
<br />
It's two feet by three feet - and we bought two of these canvas for about $40 last month. This is the first one that we painted as a family. We're going to hang this and the second above our living room couch.<br />
<br />
Inexpensive art, and a celebration of our family doing something fun together.Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com1tag:blogger.com,1999:blog-6337895450730818700.post-73263533567712963792020-01-13T05:00:00.000-07:002020-01-13T05:00:02.282-07:00Weekly Spend - January (week 2)<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjsUzGQEdDmp8L5EiNN5qLw7cdwd5rsZo5ADl9eACOTmrMpTMv7QzGVah-xQjjYqkn30VcWUPm8fb-d7SSR7rtifub9Wmw-uUif_ZxRONKDGka-cPFNjEuVSrJ-fgJZuPNQu9Fkr8UHRqY/s1600/Jan+-+Week+2.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="189" data-original-width="263" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjsUzGQEdDmp8L5EiNN5qLw7cdwd5rsZo5ADl9eACOTmrMpTMv7QzGVah-xQjjYqkn30VcWUPm8fb-d7SSR7rtifub9Wmw-uUif_ZxRONKDGka-cPFNjEuVSrJ-fgJZuPNQu9Fkr8UHRqY/s1600/Jan+-+Week+2.PNG" /></a>Another week over, another spending summary review. This week we spent about $200 on groceries - $70 less than last week. We did not eat out!! Woo! Jordan actually asked once, and I think (in part) because of doing these posts I didn't want to. Our kitchen was a bit of a mess because Jordan was standing/staining the countertops so instead, we grabbed our dinner groceries and cooked in my mom's kitchen instead. A win!<br />
<br />
Oh! What's that $7 from? That is something from 7-Eleven. I assume a lottery ticket and a coffee.<br />
<br />
Kids Stuff! $120 in kids stuff? Okay - this is about $95 in diapers (two boxes from Costco), two 360 sippy cups for baby girl for daycare and a new water bottle for Little Man for daycare.<br />
<br />
Finally, we have about $265 in Home Maintenance. This is $55 in paint - with the kids back at daycare, Jordan is getting some small jobs around the house finished before he goes back to work. Starting upstairs he got our closet doors painted, and the doors in the hallway painted that were somehow two different off-white colors. $175 was at Rona for painting supplies, drop cloth etc. etc. Next up was a $15 cable/electric detector thing that Jordan tells me will save us a $150 call-out fee from an electrician and finally a set of glassware containers for about $20 - with the kids back in daycare and all this meal planning we're doing - we needed a few more to store leftovers.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5KBegTyXx5qdioU4YW51ueuDTbF2wGeZ4zX1hyphenhyphenGqZnKzUWgjHDOQZRVbIjLFR7kjzIuSSSTIHee8nf0nLWmbsP-whuktTqr3IAA0-LhXMrJh1McoNMISLH0IOF3uMKih9rpjnNQdS1S4/s1600/Jan+-+Week+1%25261.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="294" data-original-width="264" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5KBegTyXx5qdioU4YW51ueuDTbF2wGeZ4zX1hyphenhyphenGqZnKzUWgjHDOQZRVbIjLFR7kjzIuSSSTIHee8nf0nLWmbsP-whuktTqr3IAA0-LhXMrJh1McoNMISLH0IOF3uMKih9rpjnNQdS1S4/s1600/Jan+-+Week+1%25261.PNG" /></a></div>
< < < This is a summary of both weeks. Mostly so I could see the remaining amount to spend and % spent of the budget. <br />
<br />
On the surface we're doing well because we're two weeks in and spent just under half of the budget...buuuut January has nearly five full weeks in it.<br />
<br />
So...we'll see how we do.<br />
<br />
Have a great week!Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-46907715437771802322020-01-06T09:18:00.003-07:002020-01-06T09:18:56.355-07:00Weekly Spend - January (week 1)Well, we made it through the first week of January - we've already spent nearly $1,800. Goodness. Of course nearly $1,500 of that was on cat insurance for one of our vehicles. So leaving that aside, Here's a breakdown.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEin3X3OrB8Mxgw6VVrlU5efVGWiMJA_yVFU2AGSCnGoFk2JUFp84MSgoVs9Cacp5USXXzD6ArZlY0xrr9dVs8ZU9MDxPOU_3eowoqQI5VoJM_00F1cbAV7ijefw8iw9B_chNvWIEuDEi7Q/s1600/January+-+week+1.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="215" data-original-width="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEin3X3OrB8Mxgw6VVrlU5efVGWiMJA_yVFU2AGSCnGoFk2JUFp84MSgoVs9Cacp5USXXzD6ArZlY0xrr9dVs8ZU9MDxPOU_3eowoqQI5VoJM_00F1cbAV7ijefw8iw9B_chNvWIEuDEi7Q/s1600/January+-+week+1.PNG" /></a></div>
I know we went to the grocery store a few times already - and it looks like a bit much. The extra spend this week is from extra daycare snacks for the kids who start going tomorrow, extra veg for a family dinner on Sunday (my mom and grandmother), and for an unexpected diaper blowout. While we were at the store, Little Miss needed a change and we realized that neither of us packed the diaper bag...so we also had to buy not-on-sale diapers :(<br />
<br />
The eating out was one trip to DairyQueen - Jordan tried a new Lamb recipe for ribs and it wasn't quite what either of us was expecting. Everyone was still hungry after dinner - so we rant out for a quick bite.<br />
<br />
Entertainment this week was our DisneyPlus and a phone game.<br />
<br />
<br />Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-41351809792897191642020-01-03T05:30:00.000-07:002020-01-06T09:19:04.490-07:00Debt Much?A couple of days ago, I mentioned we had gotten ourselves into some debt in 2019. From renovations, to dog surgery, to vehicle breakdowns etc. etc. This post is about how we're going to get out of it.<br />
<br />
After some brainstorming with Jordan and then bouncing the ideas off of my mom - we've decided to suspend all of our current savings (RRSPs, RESPs, TSFA, future spending) and direct all of it to the debt. This will essentially have the debt paid off in 2020 rather than 2021 - so that's big. To my husband's point - why are we saving if we're drowning....and we're not, drowning that is, but debt is a slippery slope. Once you have it it, it's easy to keep sliding.<br />
<br />
Our income/expenses are also going to change several times throughout the year so my other strategy is going to budget based on the constant and then as our situation evolves make additional lump sum payments, rather than continuously updating the budget.<br />
<br />
Here's a snapshot of the budget.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQEboRhl76KymeTJFXKON904myZdQYM9Mt4Rl5TaIAm3dgvCiFB8HQ87SPVZDj26oFvKhDSvNDMSszK93IBHCGYcIue54YR1OA9Y_GVRZqYKf0ZDwf-1-b3LXSrcR1yGJgRbx5zob5ihE/s1600/2020+Budget.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="515" data-original-width="381" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQEboRhl76KymeTJFXKON904myZdQYM9Mt4Rl5TaIAm3dgvCiFB8HQ87SPVZDj26oFvKhDSvNDMSszK93IBHCGYcIue54YR1OA9Y_GVRZqYKf0ZDwf-1-b3LXSrcR1yGJgRbx5zob5ihE/s1600/2020+Budget.PNG" /></a></div>
Right away you might notice that I'm not budgeting here for annual insurance premiums etc. I usually save for advance for those, but those savings are also being directed to the Line of Credit until we've got it paid off.<br />
<br />
The next thing you might see is the monthly spending of $2,600.<br />
<br />
This also has Jordan's income - but he's not back to work until February.<br />
<br />
One of the mistakes we've made (several times) in the past, is not being realistic when we budget on what we spend on life. So this number represents what we actually spend - not what we hope to spend. Intention here is so that we don't go further into debt while trying to get out of it.<br />
<br />
The numbers are coming from yesterday's post on our 2<a href="https://jessiesmoney.blogspot.com/2020/01/2019-spending-summary.html" target="_blank">019 spending summary.</a><br />
<br />
Of course we will try to keep this as a maximum, and even less - but also - let's be realistic here.<br />
On to what will be changing over the course of the year.<br />
<br />
<ul>
<li>In April we'll see a tax refund of some kind</li>
<li>In February I think we'll be eligible for the BC Affordable Child Care Benefit for the 2019 year. This may (or may not) decrease our child care expense by around $450.</li>
<li>In July our CCB Benefit will be re-assessed and I expect this to go up based on 2019 reduced income. I think it will be around $450</li>
<li>In September little man will go to Kindergarten, so Daycare will be reduced by $850/month and then we'll have after-school care for a couple hours. I don't know what that will cost yet.</li>
<li>In a few months we'll be apply for Life Insurance for Jordan</li>
<li>When Jordan goes back to work we won't have the RRSP premiums line item</li>
<li>In June our mortgage is up for renewal. We're going to see about reducing our weekly payment ($500/week) to manage cash-flow. The goal is down to $400/week.</li>
<li>In the spring, we'll be installing three new exterior doors - we're expecting that bill to be around $8,000.</li>
</ul>
<div>
So, that's it. </div>
<div>
<br /></div>
<div>
That's the plan.</div>
Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com2tag:blogger.com,1999:blog-6337895450730818700.post-52803441052667587292020-01-02T05:00:00.001-07:002020-01-02T05:00:13.616-07:002019 Spending Summary<div class="separator" style="clear: both; text-align: center;">
</div>
This is the breakdown of our monthly spending in each category we track. The first summary, called Day to Day is the spending we do when we're just out and about. Other Spending includes larger annual or monthly expenses like maintenance, insurance etc.<br />
<br />
We've started meal planning just in the last two months so I'm looking forward to seeing how that impacts our average. Our clothes/shoes/hair spend is pretty significant - a big chunk of this was because of me. Going back to work, having a baby, changing body - all required that I update my wardrobe a bit. I think this will settle down into 2020.<br />
<br />
Costco typically includes some big household items like toilet paper, paper towel, garbage bags etc. It also includes some grocery items like flour, sugar, maple syrup, lunch snacks and it includes kids clothes - love their PJs. Home maintenance and renovation will go way down in 2020 but I suspect vehicle maintenance will go up.<br />
<br />
We're expecting to have to get the clutch looked at for the Kia and the Escape need the rear suspension looked at. Both vehicles need new windshields. We're both eager to replace one of the vehicles soon - but this won't happen until our debts paid off (outside of the mortgage). We would also like to wait until there are more electric vehicle options on the market.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi4Vmb8iHUo6PcG5rtSC9bZOo0dHBDFRX3I-W-yS6E5tnSR9WCDkqjuFGk1Z2lkdH_E1onUESalalYagcKc9J6dEyOZda0DunAcp6h9pJPtZy7djSlNuuQ-SSHClQktahDXa5LR59drJE/s1600/Average+Monthly+Spending.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="311" data-original-width="473" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi4Vmb8iHUo6PcG5rtSC9bZOo0dHBDFRX3I-W-yS6E5tnSR9WCDkqjuFGk1Z2lkdH_E1onUESalalYagcKc9J6dEyOZda0DunAcp6h9pJPtZy7djSlNuuQ-SSHClQktahDXa5LR59drJE/s1600/Average+Monthly+Spending.PNG" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
<br /></div>
<br />Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-45886789736305094032020-01-02T05:00:00.000-07:002020-01-02T05:01:55.469-07:00It's January?How did that happen?<br />
<br />
I started out this year with good intentions..then I had a baby and now it's January. I've still been tracking our spending, trying to keep on top of things and making progress on our financial goals. This is a bit of a catch up post for myself. I don't think there is anyone out there reading anymore, but I enjoy the process of writing, of documenting our journey - however sporadic.<br />
<br />
We have managed to get ourselves into some debt this year. With finishing our renovations, major surgery for our dog, maternity leave followed by shared parental leave and a vacation in the middle and now Christmas. It's not ideal - but I think we'll be back on track in the next six months or so. Though it will be a full year before the debts paid off, I wouldn't trade this year for anything.<br />
<br />
Not only did I get to spend seven wonderful months at home with Baby Girl and Little Man, Jordan spent six months at home with them as well. We overlapped in August for six weeks, and so the kids are getting ready to go to daycare starting next week - Jordan is still on unpaid leave for another four weeks. This is largely to help with the transition. We're expecting it to be a difficult one with Baby Girl and there are some projects around the house that need Jordan's attention too.<br />
<br />
So, what's the big picture?<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7LKFCoOQKx-JhVAt447KCc82cP62pS2T-NHyExM8udFWFbaBPcNraQVIGrM2GcfFvVgP2uEAxbtTVlQKx4rVXSVEarGNWSKf-ho69zxCAKNOLjy5ZwbF_hMZCogvDvrPbEt5G5jrC7WU/s1600/Networth.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="417" data-original-width="392" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7LKFCoOQKx-JhVAt447KCc82cP62pS2T-NHyExM8udFWFbaBPcNraQVIGrM2GcfFvVgP2uEAxbtTVlQKx4rVXSVEarGNWSKf-ho69zxCAKNOLjy5ZwbF_hMZCogvDvrPbEt5G5jrC7WU/s320/Networth.PNG" width="300" /></a>Our net-worth has increased by a modest 4% - this is largely because some of our gains were offset by the debt I referenced above - you can see though since August we've been making steady increases.<br />
<br />
Our credit scores are currently very strong. I'm at 850 and Jordan is at 808 - It's a big improvement since I last <a href="https://jessiesmoney.blogspot.com/2010/11/our-credit-scores.html" target="_blank">wrote about</a> it.<br />
<br />
We are all healthy and happy and are looking forward to a vibrant 2020.<br />
<br />
<br />
<br />
<br />
<br />
<br />Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com1tag:blogger.com,1999:blog-6337895450730818700.post-14366655032168542352020-01-01T01:00:00.000-07:002020-01-01T01:00:06.602-07:00Happy New Year<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5lw_LcRFzmSaDOWkXBqzE4Cbfrq2_HIpQq0mDTw7o48_OT57__BpeVQIjQFfQAcItC6vmN-zlJHZUQKldSQryOktjsmLbxyobJyq4Yt8mrRogRGYbrTRqatEF17-i1AtN15Mj-OlHfIo/s1600/HappyNewYEar2020.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="687" data-original-width="993" height="441" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5lw_LcRFzmSaDOWkXBqzE4Cbfrq2_HIpQq0mDTw7o48_OT57__BpeVQIjQFfQAcItC6vmN-zlJHZUQKldSQryOktjsmLbxyobJyq4Yt8mrRogRGYbrTRqatEF17-i1AtN15Mj-OlHfIo/s640/HappyNewYEar2020.jpg" width="640" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com1tag:blogger.com,1999:blog-6337895450730818700.post-13749577571562475232019-03-20T10:26:00.001-06:002019-03-20T10:26:52.059-06:00Followed ThroughWell, I did what I said I was going to do. I used our Tax Returns to slam down our Line of Credit. Feels Great! We're down to owing just $6,000 and nothing is owing on our credit cards either. It'll just take a month or two and this should be cleared out as well.<br />
<br />
Renovations are coming along though we are stalled waiting for a mudder/taper to move forward. At least spring is in the air. I love all this snow melting away.Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-85255334480271479852019-03-13T09:41:00.000-06:002019-03-13T09:41:02.173-06:002018 Tax ReturnJust last week I was able to submit our tax returns for 2018 and it looks like we can be expecting a combined refund of about $4,300! With all the renovations going on - it really couldn't come at a better time (despite the adage of this really just representing an interest free loan to the government).<div>
<br /></div>
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVGh9qudRkPcc9p5R1-K5b77aZIDXx3n2hhcEw8ewtI1rdj8n2dpy5_SHKr7iD1Hy6SBVcV11ik3KkDN8_Wyhsx3ueeMoPRZGxouwwIES25nSWaeg51kvIilKDT8zyxtCzljWrF-MLT68/s1600/Landscaping+1+-+Pergola.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="517" data-original-width="746" height="221" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVGh9qudRkPcc9p5R1-K5b77aZIDXx3n2hhcEw8ewtI1rdj8n2dpy5_SHKr7iD1Hy6SBVcV11ik3KkDN8_Wyhsx3ueeMoPRZGxouwwIES25nSWaeg51kvIilKDT8zyxtCzljWrF-MLT68/s320/Landscaping+1+-+Pergola.PNG" width="320" /></a>The plan is to use it to knock back our Line of Credit so we can get that paid off ASAP. The LOC mostly has leftover expenses from our back yard landscaping this past summer. Once we use the tax refund it'll take us just another month or two to get it completely paid off (again). </div>
<div>
<br /></div>
<div>
Just for fun - here's a picture of the hottub/pergola/fence that we did over the summer which had a bit of an overrun. </div>
<div>
<br /></div>
<blockquote class="tr_bq">
If you're expecting a tax refund this year, what are your plans for spending/saving it?</blockquote>
Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-74349515427479853912019-03-11T08:30:00.000-06:002019-03-11T08:30:03.576-06:00Renovations UpdateWe're getting to a really exciting stage with our basement renovation. Framing is done, plumbing and electrical are mostly complete, insulation is done and drywall has started. So things are really starting to take shape. We've chosen our flooring and paint and some of the fixtures we've ordered have started to arrive. My sink and counters for the wine room and our vanity are sitting in our storage room!<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7ZlQ_eNCI7pxCbZrZQGTuWb2lcVYy6hkBcoYnKesSnidnhjAr9wuh3l3HpXqDA9CZF4px6F2OBhazTFAmCUwYd1r61jj6CDASkUI0F95EVY0zVPwkI8xAZQ098mK4EjO1rVcB8N9dXbE/s1600/2019-02-25+16.26.43.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7ZlQ_eNCI7pxCbZrZQGTuWb2lcVYy6hkBcoYnKesSnidnhjAr9wuh3l3HpXqDA9CZF4px6F2OBhazTFAmCUwYd1r61jj6CDASkUI0F95EVY0zVPwkI8xAZQ098mK4EjO1rVcB8N9dXbE/s320/2019-02-25+16.26.43.jpg" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
This is the luxury vinyl plank flooring we're going with and we're going with a grey carpet/walls. Some of those color paint chips are for inspiration for the bathroom/laundry which we may do a different colour. It's not pictured here but we've also chosen the tile for our Pellet Stove corner. All in the flooring quote is $10,000 (installed) for around 1,200 square feet, plus stairs. It's a bit more then we were hoping for - but the installer is also going to have to do some leveling work in the spaces where we are putting down the vinyl.<br />
<br />
We're going to be tackling painting to add some sweat equity to the project and just need to confirm timelines with our contractor so we're ready for that. It's going to be a lot of work for mostly Jordan as I'm usually on primary duty with the baby in the evening.Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-36514001941763161422019-03-08T09:35:00.001-07:002019-03-08T09:49:04.608-07:00Monthly Spend (February, 2019)<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4utiRlWbbQZ_swZsVaey-c-eFHMnPG_aM5LeTg6mJrf9l0qfZ2uoWc_Bm2fm0x1IgItjv9aObwsMDJ_wsBsirx7osA7RJ_fqFrsHObAFbsvsB2BnB7PoizjBlxgkLIYlWA3qDWvpjmUg/s1600/February+2019.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="706" data-original-width="401" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4utiRlWbbQZ_swZsVaey-c-eFHMnPG_aM5LeTg6mJrf9l0qfZ2uoWc_Bm2fm0x1IgItjv9aObwsMDJ_wsBsirx7osA7RJ_fqFrsHObAFbsvsB2BnB7PoizjBlxgkLIYlWA3qDWvpjmUg/s400/February+2019.PNG" width="226" /></a></div>
February was a great spend month - groceries were really under control. All of the freezer/meal planning that I did back in Nov/Dec really paid off. I had prepped dozens of meals for when we brought our daughter home from the hospital. The freezer is nearly empty now though, so I'm going to need to plan a big grocery shop/meal plan again.<br />
<br />
Does anyone have any favorite make-at-home freezer meals? Some of our favorites were shepherd's pie & pulled pork.<br />
<br />
Outside of food spending - everything else was pretty in line. We did go out of town twice - which is why there is some spending on 'vacation'. <span id="goog_703280693"></span><span id="goog_703280694"></span><br />
<br />
"Baby" needs to be updated to "Kids" - this is clothes, shoes, hair etc. etc. anything specific for them.<br />
<br />
<blockquote class="tr_bq">
How did you do on your February goals?</blockquote>
Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-11488545477877095202019-02-11T07:00:00.000-07:002019-02-11T07:00:13.803-07:00Monthly Spend (January 2019)Here is the full monthly spend for January...<div>
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR-iPMmlSHDShTiSj8t0lJla_MmJxvCWi2NT-WPSiVoF3gyTUEJZLjKWew1ShlZtvCNDoNQlLlJGjdZ4fiS-Z8wTNzgaHyoRRGsgLeuRscsK3NslQEivN1lCCthVh1FBh0mHkHEXus3Bw/s1600/January.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="490" data-original-width="386" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR-iPMmlSHDShTiSj8t0lJla_MmJxvCWi2NT-WPSiVoF3gyTUEJZLjKWew1ShlZtvCNDoNQlLlJGjdZ4fiS-Z8wTNzgaHyoRRGsgLeuRscsK3NslQEivN1lCCthVh1FBh0mHkHEXus3Bw/s320/January.PNG" width="252" /></a></div>
<div>
The budget for what I refer to as our day-to-day expenses is $400/week - I was trying to get this down to $300/week for the month of January but pretty much failed at that. There are five weeks in January though, and so our average came in at $398 - so not perfect, but I'm happy that we didn't go over the normal budget.</div>
<div>
<br /></div>
<div>
The items not highlighted in grey have budgets of their own - we save monthly for things like vehicle/home maintenance, baby stuff, insurance, the renovation etc. </div>
<div>
<br /></div>
<div>
So it looks like a lot - but really we're pretty much on target. </div>
Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-30560393025796637092019-02-09T14:01:00.003-07:002019-02-09T14:01:20.626-07:00She's Here!! She's here, she's here!<br />
<br />
I'm not going to post photo's of her - but she was born a week and a bit ago and is absolutely perfect.<br />
<br />Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com1tag:blogger.com,1999:blog-6337895450730818700.post-45818070040955517062019-01-28T07:00:00.000-07:002019-01-28T07:00:04.885-07:00EI ApprovedMy Maternity Leave officially started on January 21st and I'm so pleased to see that my employer issued by ROE quickly and my EI claim has already been approved! I was planning on having to wait at least until beginning of March due to previous experiences with Employment Insurance - but this is going very quickly!<br />
<br />
Once I get my first payment (I'm thinking Feb 8th likely), I'll submit that to work and my 70% top-up for 15 weeks will start which is a benefit that my employer pays for.<br />
<br />
Everything is coming together....just waiting for this baby to arrive.Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0tag:blogger.com,1999:blog-6337895450730818700.post-14938619142351544092019-01-24T11:28:00.000-07:002019-01-24T11:28:00.536-07:00Weekly Spend - January (week 4)<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEijFqRWR3qlyJcXZ8I1VW4Ulgy1YAa9i7DR-E-BVHtKTIn9gsSYXyWZtd0prsf2R5UNFpdSXfT5pOt2IWqFg7IxASEioKWzTj_yZCX6Xe9RjFjnzp_Uz8bs1EcDJ8N4p7tVhwU840ari6g/s1600/Jan+24.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="419" data-original-width="358" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEijFqRWR3qlyJcXZ8I1VW4Ulgy1YAa9i7DR-E-BVHtKTIn9gsSYXyWZtd0prsf2R5UNFpdSXfT5pOt2IWqFg7IxASEioKWzTj_yZCX6Xe9RjFjnzp_Uz8bs1EcDJ8N4p7tVhwU840ari6g/s320/Jan+24.PNG" width="273" /></a></div>
There are five spending weeks in January but this takes us up to Thursday of the fourth. It's cumulative from the post I did a couple weeks back rather than each weeks spending re-cap.<br />
<br />
In the last two weeks, we spent:<br />
<br />
<ul>
<li>$25 more in gas</li>
<li>$440 more in groceries</li>
<li>$288 more in eating out</li>
<li>$25 in alcohol</li>
<li>$260 in Vehicle Maintenance</li>
<li>$2,200 in Home Maintenance</li>
</ul>
<div>
No change/spending in:</div>
<div>
<ul>
<li>Medical</li>
<li>Clothes/Shoes/Hair</li>
<li>Banking</li>
<li>Car Insurance</li>
</ul>
</div>
<div>
<br /></div>
<div>
The eating out thing genuinely surprises me...but I can see it's a few times out as a family and a few times Jordan eating out for lunch. So we'll need to keep an eye on this.</div>
<div>
<br /></div>
<div>
The other obvious big ones are Vehicle Maintenance which were the replacement parts for my windshield washer that Jordan is installing and the $2,200 in Home Maintenance which is a new washer and dryer that was on sale and is for our basement renovation. I'm thinking I might actually create a basement reno category to keep day-to-day maintenance items and the renovation separate.</div>
<div>
<br /></div>
<div>
Is your spending on track this January?</div>
Jessie's Moneyhttp://www.blogger.com/profile/06953258831256258600noreply@blogger.com0