Posted in Budget

Free Printable Meal Plan and Grocery List.

How I grocery shop……

Here is another budget tip I’ve been doing.

Since I’ve figured out what I can spend on groceries using the envelope method, which I shared is an earlier post. I’ve found this works for me.

I plan our meals for two weeks, since we are paid every two weeks. Ex: I have in my our budget $100 per week, that included anything we’ve ran completely out of or something we’d like extra. Any money left from that weeks grocery trip goes back into the Grocery Envelope for the next time.

Ex: If I spent $60 I will only need to add $40 to make the $100. Any money left from stuffing grocery envelope for two weeks goes into vacation, holidays etc envelopes. I know confusing right, it will come easier once you’ve done a few times.

I write my grocery list as I go throughout the week. If we run out of something completely that get written at the top list. If we are half way through sometime I put that towards bottom of the list. Meaning we still have some left.

SIDE NOTE: I’ve started to write down all the prices of item’s we purchase from the grocery store. This helps me, keep track of the cost of item’s for the next time. I wrtie original price along with sale price. Rounding each amount to the next penny.

SIDE NOTE: Don’t forget to shop the $1 tree. They take coupons also, but the item has to be worded like it is on the coupon. $1 tree does not give cash returns, you must use store credit. This may have charged since I don’t return item’s.

SIDE NOTE: I personally don’t use coupons anymore, UNLESS it’s free or if I know it’s something will use before it expires. I no longer do the stock pile method. I found I was spending more than saving. Plus, item’s were expiring before we used it all. That’s just me.MMy friend and I have started this method, we’ve found it helps with anxiety at the grocery stores, we know what we need to get, and it makes for a faster trip. We are learning where to find item’s faster also.

My friend and I have started this method, we’ve found it helps with anxiety at the grocery stores, we know what we need to get, and it makes for a faster trip. We are learning where to find item’s faster also.

NOW when it comes to cleaning and beauty that is another envelope. Those are more like monthly cost. If I need laundry soap, I take the amount out of that envelope. These are not food item’s.This is list’s that we use for meal planning and grocery list. All free printable’s fun colors, and room to write.

This the website that I print my lists from:

FREE Grocery List Printables ~ 3 Colors

https://homeandhallow.com/

Printable Meal Planner + Grocery List

Posted in Budget

Envelope Method

Since My Husband has been laid off from work almost 2 months now. I’ve found a budgeting system that works for us called the Envelope Budget.

The way this works is, make a list of your bills for the month.

I try to put mine in order of when they are due. Label envelopes with each bill you have to pay. Which I bought (2) a six ring small binder clear zipper pockets from amazon, I will post the link in this post. You’ll need to figure out the amount of money you to have to work with, if you are paid weekly, bi-weekly or monthly. Next you’ll divide the amount money you have to work with by you are paid. Once you have done this, you will take that amount out of each check to each bill. This is a bit confusing the first couple of times. I’ve found this helps breath easier and not have anxiety about money, it also shows where the money is going each month and where we need to cut back. We were very lucky to have a small cushion of money. This we don’t touch unless it an emergency or if a large bill arrives..

What I use for my envelopes: I bought these item’s because I wanted to feel happy when it was time to stuff envelopes. I also bought two binders. I wanted one for monthly bills and one for the fun things. Vacation, Christmas..

Small 6 Ring Binder:

Zipper Pockets: