Super Stay At Home Mommy!

My lovely Mother-in-Law created a nifty budgeting tool that we wanted to share with you! She wrote up a great post about it, and I’m excited for you all to read about it and try it out! If you want your own copy of this great little spreadsheet she made (it makes everything so easy to figure out- you don’t have to do any math!) all I ask is that you follow my blog, and then post in the comments that you would like the link to the worksheet. I will send it to you via email!

Click to see a sample of the worksheet!

Gas prices are rising…AGAIN! They could reach $5-6/gallon within the year. OUCH! Those kind of prices can hurt even a well-thought out budget.

Gas is expensive, probably one of the most expensive items in a budget. Where do those gas dollars go?

It’s time to stop thinking about PPG (price per gallon) and start thinking about CPT (Cost Per TRIP).  If we concentrate on how much it costs to get from one place to another, it’s easier to make educated decisions about where (and if) we go.  If you determine it costs $8 to go to the utilities company to pay a bill, you might consider mailing in your payment, or even better, paying online, for an instant savings of $8.  If it costs $4 to go to the neighborhood grocery store, you might want to only go once a week (or less), resulting in more money in your pocket. Thinking about how much a trip costs always helps you make informed decisions about whether the PPT is worth that trip.

I wrote this Excel worksheet to make the process easy. Just input the correct information, and you will have a list of how much each trip you make costs according to the current price per gallon of gas. This worksheet is free, but please be courteous and don’t share with anyone. We would love to have them come visit us at http://www.superstayathomemommy.com and get their copy there.

-Cheryl Boynton

Weekly menu planning plays a HUGE part in saving money in our grocery budget. When Jason and I first got married we were terrible at grocery shopping. We walked up and down every aisle and tossed whatever looked good into the cart. Later in the week, I’d go to cook something, and realize that I didn’t have everything I needed for a complete meal. So, back to the store we’d go…. We ended up spending WAY too much on groceries.

When I became a stay at home mom, suddenly it was important to really budget our money. I needed to find a way to cut our grocery bill in half. It took some time and tweaking, but here’s what I do. (We went from spending about $150 a week for just 2 of us, to about $60 a week for all 3 of us).

To start, I go through the weekly ads from the different stores around us and see who has the best deals on meat. Typically, this is our biggest expense. So, whoever has the best meat prices is where we’ll do all of our shopping. I used to go to 3 different stores to get all the best deals from all the different stores, but I quickly realized that the time and gas that it takes to do that was not worth it. Not to mention, taking a 1 year old in and out of the car that many times is NOT fun!

Once I figure out what store I’ll be shopping at, I go through the rest of the ad and find out what other great deals they are offering. I write everything down, and then cross reference my coupons (I’ll post some coupon sites at the end of this blog to help out. I’ll also be doing a coupon blog in the near future, so stay tuned!)

Now that I know what the good deals are, I make a menu utilizing those items and whatever I have in my pantry. There are tons of menu templates out there, but I just make a list of meals I can make throughout the week. (If you need help with this part, I’ve posted a link to a great site at the end of this post!)

Now that I know what I’m cooking, I’ll make a list of whatever leftover items I still need. And, here’s the part where my OCD kicks in a bit. I then organize my entire list by aisle. Sounds crazy, I know. But when I do it this way, I insure that we only walk through the store one time (not back and forth finding everything on the list), and we’re less likely to pick up extra goodies (you know, all those traps they set on the endcaps! Those will make your grocery bill sky rocket!)

And now we’re set for the week!

If you need some more help, here’s some awesome sites I’ve found! And if you have any others that you love, let me know!

Happy Shopping!!