- I want a car? Yup, I'll take two brand new ones.
- I want a new pair of jeans or a purse? Sure thing, let's run to the mall tonight and get the best ones!
- I'm Feeling like a donut? LET'S GET A DONUT MAKER BECAUSE IT MAKES SENSE in case we ever want one again?
- Our washer and dryer sucks. Even though we are renting, let's buy this washer and dryer because "someday" we'll use it and it will be GREAT!
All true stories.
Chump change….it's all chump change right? In reality, this isn't the case at all. When I started this blog it was as if every "food budget" I've ever created went right out the door with the trash. Good, REAL, food can be affordable! TRUST ME.
So can my daily entertainment. Trips to Chicago, Florida, etc. are fun and exciting but should be treated as a MEGA TREAT OR BONUS. Not a necessity for happiness. So, it's time for my husband and I to bust out the envelopes and set aside money for each of our desires.
Sound irrational and strict? We've found it really isn't. You wouldn't believe the money you can save every month by seeing exactly where your money goes. Now some say, "I know where my money goes. It shows me on my bank statement." Well, having the money set aside and physically at your finger tips is way more effective. A THANKS goes to Dave Ramsey's total money make-over, for introducing us to the plan of attack.
So here's how we do it,
- Look at what you actually bring in on average after taxes are taken out.
- Then, title envelopes in categories such as grocery, entertainment, gas, giving, savings, gifts and miscellaneous. Bills are automatically taken out so we don't worry about that one.
Broken down we have ours in the following…
Grocery- Our hobby is food and cooking so we set more aside to grocery than anything else.
Entertainment- This includes, movies, bowling, eating out, sporting events, etc
Gas- Set more aside on high travel months
Misc. - SOMETHING, NOT FUN, ALWAYS happens. You need dental work, new tires, or perhaps a new toilet. We don't like to set aside money for this, but it is a reality and it has to be accounted for.
Our newest envelope is giving- We've decided that there are so many times in a month that we have the "chump change" mindset, and if we can do that…we can give to those more vulnerable.
Every dollar is put somewhere. All the money we don't put in envelopes, as well as any excess money at the end of the month..goes to savings.
Enough table talk for the day. Let's look at what's YUM in TUM for dinner. Sunday nights are typically hodge podge nights at the Gohr home. I take whatever is screaming "cook me, I've been here a while" in my fridge and cupboards and reach to get creative.
Garlic Pizza Wontons AND Queso Fresco Won Tons.
I had extra pizza stuff, some leftover mexican cheese. I also had won tons. I thought, why not stuff these suckers with cheese and fry them up?
These are SO EASY, take only 15 minutes of your time, and would be an absolute hit at your next get together for an appetizer!
Sprinkle a small amount of minced garlic and a bit of
cracked pepper over the cheese. Moisten the edges of each
wonton wrapper with a bit of water. Press the edges
together to form a triangle-shaped wonton.
heated to medium heat. Cook wontons on both sides, until
Remove from heat and serve immediately! Look at these
puppies GLISTEN! They were so crispy and scrumptious. OH
They were crunchy on the outside, creamy on the inside and the sauce was the CHERRY on top!
Everything in moderation right? ;) I had a salad on the side to balance it out!
OH and speaking of unhealthy, the Cheddar Bacon Ranch Pull- Aparts were gobbled up quickly. So fun, and super tasty! Transports well to a tailgate too!
Time to watch CARS 2 and possibly have a little dessert.
How do you budget your money? I'd love to hear some different tricks and ways to save money.