Friday, January 15, 2016

January Spending Freeze, Day 14: My credit score just got a boost!

A long time ago, Jordan and I signed up to keep track of our credit for free at creditkarma.com.  It has been incredibly helpful to us and I highly recommend it!  Back in December, I got an email from Credit Karma explaining the tendency of credit scores to drop temporarily due to Christmas shopping.  Credit card balances tend to be higher, increasing the percentage of total credit card utilization, which is a main factor in determining credit score.  Well, even though we never carry a balance on any of our cards, we do run most of our shopping through them in order to take advantage of rewards--and in November and December, we did quite a bit more shopping than usual.  My credit did take a little dive and I was bummed.

Right after Christmas, we completely paid off all our cards (like we always do, usually twice a month), and immediately started the spending freeze.  We've hardly spent any money since, so my credit utilization is down to about 1%.  1-9% is considered "excellent."  As a result, my scores are up 27 points (TransUnion) and 19 points (Equifax) since the last time I checked!  

I can't do much about some of the other factors.  Age of credit history is probably what I need most, and that takes time, obviously.  But I am excited to see that my credit is steadily improving, and it's awesome to sometimes be able to do specific things to improve it instead of guessing like we used to.  Seeing that the spending freeze has helped it, even in the short term, brightened my day and gives me motivation to press on through the end of the month!

January Spending Freeze, Day 13: Goodbye for now, Sling TV!

The morning after the national championship game, we got to do something I'd been waiting to do for a while--cancel our Sling TV subscription!  Knowing it would be the final game of the (college) season, I had put a reminder on my calendar weeks ahead of time, and called Jordan to tell him to log in and cancel as soon as I saw it.

We don't watch a ton of TV--at least not current TV.  We still love watching old episodes of The Office, Dead Like Me, and The IT Crowd.  But when people are chatting about some awesome new TV show, I am probably clueless.  Of all the shows currently running, I love The Walking Dead, Downton Abbey, and Days of Our Lives.  Also Doctor Who, but I'm behind on that one and need to catch up.  Therefore, the only reason we needed Sling TV in the first place was so Jordan could enjoy football.  It's one of his few indulgences, and I think it's worth ~$27 per month during football season to have these games available to him.  Here is how we get the rest of our shows, and why they do not justify keeping Sling TV year-round:

1) The Walking Dead - Jordan takes surveys on his phone to earn Google Play credit.  They are generally quick and easy, and he usually has enough credit built up to get us the latest episode, which is about $2 each time.

2) Downton Abbey - Because this comes on PBS, it's free!  Our media center PC (built by Jordan) records it for us.

3) Days of Our Lives - Comes on NBC for free and our media center records it.

4) Doctor Who - I am ashamed to say I have hardly watched any of season 8, all of which is on Netflix, which we have.  Perhaps by the time I catch up on that, season 9 will be on Netflix as well.  If not, the entire season can be purchased on Amazon for $22.99.  We have Amazon Prime, and whenever I order something with Prime shipping that I don't need in a hurry, I choose no-rush shipping to get a $1 credit toward digital content.  Those credits (many earned during Christmas shopping!) would cover part of the $22.99.


As you can see, cable would be a terrible waste for us, which is why we cancelled it quite a while back.  We still have internet with Charter, and they keep calling Jordan trying to get us signed up for cable TV again.  They want to know why we cancelled.  Um...  It was the biggest waste of money ever?  I honestly felt like they should be paying ME for suffering through all those irritating commercials.  So, while it is much cheaper, we don't need Sling TV 7.5 months out of the year, either.  We will probably be renewing it in early September, but this month I was excited to cancel and throw that $27 into savings!  Every little bit helps!

Tuesday, January 12, 2016

January Spending Freeze, Day 12: Pumpkin spice cake for breakfast!


I realized yesterday that there were several items in my kitchen that I needed to use up:

1) Frozen pumpkin puree.  A while back (embarrassingly far back), we baked and pureed some pumpkins after Halloween.  Then we filled a few freezer bags with 2 cups of puree each, labeled them, laid them flat, and froze them.  It's pretty awesome--all you have to do is thaw it, snip the bottom corner of the bag, and squeeze it into your favorite pumpkin recipe!  Some of it was forgotten in the bottom of the chest freezer, though.

2) Gluten-free yellow cake mix--two boxes.  I picked up several boxes of this from our local discount food store.  At 99 cents a box, it was too good of a deal not to!  But like many of the items at the discount store, this had passed its expiration date and I didn't want to leave it sitting too long.  Besides, we really prefer chocolate cake.

3) Buttercream frosting...  From the football game cupcakes!  Usually leftover frosting just clutters up the fridge until fridge clean-out day, when we finally toss it.

I decided to make a big bundt cake with all of this.  I had no idea if it would work, but figured as long as it was somewhat edible, I'd be happy.  Because I added 2 cups of pumpkin, I was able to use a little less butter and one fewer egg than the recipe called for.  I could have used less than that, but I can't stand dry, crumbly cake and wanted to be sure this one was moist (sorry if that word offends you--haha).

The cake popped out of the pan beautifully.  I put it on the cake stand and frosted it before it could cool, so the frosting would melt down the sides.

We had some for breakfast.  It's delicious--and I'm not used to this much dumb luck in the kitchen!  What do you have in your kitchen that you need to use up?

January Spending Freeze, Day 11: Snacks for the big football game

In case you're not a big sports fan, there was a pretty important football game last night.  It was a huge deal to my husband, and I was a little sad he didn't get to go.  But of course, we watched it on (Sling) TV.  Before a football game, especially one that's this big a deal, we usually run to the store for snacks and beer.  We did not do that this time!  I'm proud of us.  But I still wanted to have some fun snacks, and Suzi "had a dream" of eating pizza while she watched the game.  So here is what we had.



1)  I actually had to make more cupcakes, because we made some the other day but then ate them all!  We had everything to make them except for the butter, which we picked up at the store on Sunday.


2)  For Suzi's pizza, I used this quinoa crust recipe.  It's not the same as a thick, sweet crust made out of wheat, but it's gluten free.  Also much easier to make from scratch than a regular pizza crust, and full of protein.


3)  I used what we had on hand to make Chex mix.  No pretzels and no wheat chex, but extra cashews and pecans!  This snack with last a while too.

4)  No picture, but Jordan made himself a homemade version of Takis using masa flour.  He has a tortilla press and also makes corn tortillas whenever we have tacos.  It's very cost effective!

5)  We drank the alcohol we already had.  Because we only drink occasionally, certain bottles tend to just... sit.  We are still finishing off a bottle of rum that we purchased on our honeymoon 11 years ago.  There was no beer, but there was plenty of other stuff to choose from.  We both had a couple of drinks and I don't think either of us suffered.


Suzi enjoyed her pizza and cupcakes and curled up with a couple of kittens to watch the game!
(Then she fell asleep.)

January Spending Freeze, Day 10: Improving our heat savings during the winter

Even though we live in the south and it rarely gets extremely cold, our electric bill in the winter has always been higher than I would like--higher, even, than the hottest summer months when we are forced to run our AC pretty continuously.  We've worked on this on and off over the years, but while we are on this spending freeze, Jordan and I are trying to significantly step up our heat savings game.  Here's what we've done so far, and what we still need to do.


1)  I mentioned the other day that we sealed up some cracks under our stairs where cold air was seeping in.  Since then I have been eagerly awaiting the (email) arrival of our power bill.  Today it came.  It was $128--down from $160 this same time last year.  I am pleased.  I had budgeted $150, so that's an extra $22 that can go straight to savings!


2)  We also use a heat saver on our dryer.  Jordan was thrilled to find ours new in the box at a thrift shop!  However, we did have to spend a few dollars on new dryer ducts.  This device re-directs the warm air from our dryer back into our house, instead of outside.  We don't use it every time we dry our clothes in the winter.  Sometimes, if it's been rainy, we've found it's better not to add the extra humidity to the house.  Also, I prefer to use it with unscented laundry detergent.  If we decide we don't want to use it, all we have to do is flip a switch and it sends the air outside instead.  Of course, this only works when the dryer is running.  It does the most good if we dry our clothes during the times we need heat the most--in the late evenings and early mornings.

3)  While we are spending time together in the evenings, watching TV or otherwise relaxing in the living room, sometimes I find that I am cold and no one else is.  If I'm the only one who is cold, I heat up my favorite microwaveable flax seed heat pack and cover up with a blanket instead of cranking up the heat for the whole house.

4)  This winter, I've tried to keep a closer eye on the thermostat.  In general, we keep it set low, especially at night.  On my way to bed, I try to remember to turn it down to 63 or lower, depending on how the house feels.  I'm mostly concerned with our kids staying warm.  Our bedrooms tend to be warmer than the rest of the house and we keep extra blankets on all of our beds, so if I don't turn it down, it sometimes gets uncomfortably warm at night.  We can always turn it back up if we are cold the next morning...  Or better yet, dry some clothes!

5)  By late morning on a clear day, I usually notice that the house is warming up on its own.  We have several windows that really catch the heat of the sun.  On hot summer days, we keep our curtains shut and even hang special shade material over the hottest windows.  In the winter, I am happy to let the extra heat in!  (In fact, I should run around and open all the curtains right now!)


Some days, even in January, our thermostat stays set at 61 or 62, and the house will stay several degrees warmer than that, never tripping the heat to come on.  I love those days!  For those frigid days that run our bills up, however, there are two things I'd like to do:

1) Get a programmable thermostat (someday when we aren't on a spending freeze), perhaps even one that can be adjusted remotely

2) Thoroughly search along the edges of the house, find where cold air is getting in, and seal it out


A few years ago I sewed this draft snake (actually, it's a pair of draft snakes, but only one survived) out of a beat up pair of khaki pants and some rice.  The long one is still in place under our sliding glass door, and now that we have laminate flooring instead of carpet it is even more instrumental in keeping the cold air at bay.  We have eliminated most of the obvious drafts, one way or another.  But we truly need to pull our furniture out and check for problem areas along all of our exterior walls, then fix them with caulk, expanding foam, or something more creative if necessary.  This would be an excellent little project for a chilly evening.  We will get it done soon!

Monday, January 11, 2016

January Spending Freeze, Day 9: Our big trip to the grocery store(s)

We used to be a lot better at grocery shopping.  A few years ago while we were saving up for two homebirths 20 months apart, saving money on groceries was an absolutely necessary task in our lives.  Now things are completely different, and on occasion we need a self-imposed spending freeze to remind us of the amazing things we can accomplish and to get us back into some good habits!

On Sunday, after carefully making a list, we went to the store for the first time since starting the freeze (which actually began a day or two after Christmas, for us).  Here is what we spent:

$27.60 at Aldi
$11.95 at Bi-Lo
$11.32 at our local food exchange (ordered online)
Total:  $50.87

At least $8 of the Bi-Lo amount was for expensive fancy cat food.  It's definitely not what I would normally choose to buy, but we have a sick kitty and it is a necessity.  We only got the things on our list--fresh produce, pantry staples we use a lot, and ingredients to complete meals we are planning to make with what we already have.  We bought milk and eggs from our local food exchange, which I feel good about even though they do cost significantly more than the ones at the grocery store.

It felt so strange to leave Aldi with only a couple of cloth bags of groceries, having spent $27.60.  Normally we have a nearly overflowing cart and a bill around $100!  Aldi can be tempting; there was a $20 set of kettle bells I really wanted and would have certainly bought, had we not been on the spending freeze (this may be a good topic for later).  There were also a few snack items I would have tossed in the cart.  I realize now that I normally stock way up on convenience foods, or at least ready-to-eat foods, while letting ingredients for things I could cook or bake sit in our cabinets or spoil in the fridge.  Shopping like that for a family of five is expensive, even at Aldi.  We've done pretty well with getting out of the fast food habit.  My new goal is to spend a little more time in the kitchen so we will have more homemade snacks.

Our meals are planned out for at least a week and a half without us having to go shopping again, and when we do have to shop it'll just be to pick up a couple of items.  Our cabinets are gradually emptying out and I'm finding so many forgotten treasures.

I know many people (even the super-frugal) wonder if it is wise to have a spending freeze on groceries, reasoning that one would only have to re-stock the pantry at the end, possibly missing out on some good sales.  But I think only extremely diligent pantry-keepers, who cycle through their well-organized goods and use everything up in a timely fashion, would find that to be the case.  Most of us have some forgotten food in the back of the cabinet that we need to use up...  And most of us have a couple of bad habits we need to break.  I highly recommend an annual grocery spending freeze!

Saturday, January 9, 2016

January Spending Freeze, Day 8: Cupcake Reflections

We've made it a week!  I'm feeling great.  Yesterday, after spending some time at my mom's house, Ivey and Robert and I came home* and found our kitchen counter clear.  There were a few crumbs here and there, but it wasn't covered in junk the way it so often is--and that is significant.  Because the counter was clean, I asked the kids if they wanted to make some cupcakes.  We have lots of gluten-free mixes purchased at the discount store that we need to use up anyway, and I always have the stuff to make frosting on hand!


While we wiped the counter and gathered our cupcake ingredients, I talked to the kids about the difference the spending freeze had made in our home.  You see, our large kitchen counter is a "hot spot."  Dirty dishes end up there, of course, but it also collects toys, mail, half-finished projects, and all kinds of random junk that doesn't really have a home.  If we buy something new, the bag ends up either there or on the dining room table.  If a box arrives from Amazon, it ends up on the counter to be cut open and the items dispersed to where they belong.  If we don't stay on top of it, the counter gets buried.  And when it's buried, do you think we can make cupcakes?  No.  Before we can do anything at all we have to spend half an hour dealing with clutter, and by the time we're done, the opportunity for fun baking time (or whatever we had in mind) has probably passed.


Because of the spending freeze, we haven't shopped--not even at a thrift shop or yard sale.  Because we haven't shopped, there has been very little to put away.  So, even though we spent the entire morning at my mom's, we came home to a clear counter.  (The dining room table in the background is pretty clear too--also a big deal for us!)  It was ready for us to use, and we did use it.  Ivey and Robert were excited to surprise Daddy with cupcakes when he came home!



The whole house seems to be enjoying a break from the influx of new clutter.  Obviously, the lack of regular grocery shopping means our kitchen cabinets are emptying out and we're discovering we have more food to use up than we ever imagined!  But sometimes it's good to take a break from even the sensible bi-weekly trip to Goodwill.  $10 spent at Goodwill can add quite a few items to our home.  On a Sunday, $10 can buy 20 articles of clothing from the clearance section!  It feels like our home is thanking us for doing this spending freeze, as it breathes a sigh of relief...  And we aren't even a third of the way through the month yet!



*Suzi spent the night with Grandma; it was her turn.