When Your Savings Goals Hit a Roadblock & Leave You On Empty
Our 2016 Savings Goals Update
2016 has certainly been another year full of ups and downs, twists and turns, both in our home and businesses, but I am excited to say we survived!
For the first time ever, I decided to set some goals (not resolutions) for 2016, and I even left my comfort zone and shared them with you here.
I must confess that we fell short on many of those goals, especially our savings goals, but I have yet to beat myself up for it because they are GOALS not requirements, not deadlines and not commitments. Sometimes GOALS have to change or undergo some alterations due to physical, financial or emotional challenges, as Benjamin Mays says, “The tragedy of life doesn’t lie in not reaching your goal. The tragedy lies in having NO goals to reach.”
Heaven knows our goals have made some enormous U-turns in the past year. The biggest and most obvious being the original goal of saving $5,000-$10,000 by the end of 2016.
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Welcome to our 2016 Goal Update. I chose to title this post, “The Good, The Bad and The Ugly” because that is EXACTLY what it is. Read more »
Menu Monday #14
As we enter week #14 and share our Menu Monday plan, we are wrapping up the end of our one month budgeted grocery period. During this week we are trying hard to “Just Make Do” with food from the fridge and cabinets. Keeping this in mind, we will not have a shopping trip to share this week, we didn’t last week either.
I would estimate that we have spent approximately $50 for this week’s groceries. Those items included: 3 gallons of milk, eggs, cheese, bread, lunch meat, orange juice and a few more dairy products. Items we were unable to pre-purchase and store in the freezer.
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10+ Ways We Saved in May
To be honest we didn’t do a lot to save in May due to the injury in my back. We chose to spend a little more to make things less stressful for all of us. We didn’t go crazy with our spending, we just didn’t strive to save as much as we normally do.
In addition to the previous ways we saved, which we often repeat each month as “good practice,” we also made the following choices to help build our savings. Read more »
This month’s County Market’s shopping trip was more than a bit unusual and cut short due to my daughters health and trying fit our items into a scooter/electronic shopping basket. I chose to skip several items as they were heavy or awkward and we needed to leave as my daughter was struggling but I decided to share the purchases I did make as well as my new shopping secret weapon.
Now for the savings breakdown: Read more »
As many of you know my oldest daughter and I are unable to work “regular” 9-5 jobs due to our health issues and the need to be with my youngest, who has even more extreme health issues, so to compensate we have added some “side jobs” we can do from home, a hospital room or even my family’s when we are visiting.
Because we began our new direct sales business with Clever Container and my youngest had some major setbacks we spent VERY little time on “side jobs” but we still earned a bit.
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This week’s “How We Saved and Earned” list may not seem very large compared to previous posts, but we are still implementing many of the things we shared before, such as draft dodgers, “Just Make DO Challenge“, aprons, leftovers, back to back baking, etc… For a look back at those posts click here.
I also need to mention that we experienced a huge setback to our current emergency fund with the breakdown and repair of our furnace. A story I share here.
12 Ways We Saved and Earned This Week
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