Menu Plan Monday: 12/1/14

Menu

November 30th – December 14,  2014

WEEK #1

Nov, 30th – Beef Roast and Veggies

Monday, Dec 1st -  Turkey Soup  (LEFTOVER)

Tuesday, 2nd – Holiday Brunch Casserole (Taste of Home Dec 2014 pg 12) , Fruit

Wednesday, 3rd – (working Late) Easy Ravioli Lasagna, Garlic Bread

Thursday, 4th – Broccoli Cheese Soup with biscuits

Friday 5th – Taco Night/Taco Salad

Saturday, 6th – Baked Teriyaki Chicken, Mashed Potatoes, Corn

Sunday, 7th –  Baked Pork Chops With Rice, Peas  (Bake Potatoes for Soup)

Ingredients
1 can cream of mushroom soup
1/2 soup can of water
1 cup wine (water can be used instead)
1 cup raw rice
6 pork chops, fat removed
1 package onion soup mix
sliced mushrooms
sliced almonds
Directions
Mix soup and water; add wine, if desired. Stir 1/2 of soup mixture with rice. Put in a buttered 9 x 13 inch dish. Place pork chops on rice mixture and cover with remaining soup mixture. Sprinkle onion soup mix, mushrooms, and almonds on top. Bake, covered, for 1 1/2 hours at 350 degrees.
Note: Dish is also very good with brown or wild rice

WEEK #2

Monday, 8th – Noodle Soup and Grilled Cheese

Tuesday, 9th – Pancake, Eggs and Sausage

Wednesday, 10th – Mexican Beef Casserole & Potato Dinner Rolls – Emeals – A 561

Thursday, 11th – Seasoned Chicken Strips  (Simple Delicious Cookbook – 65) and Fries

Friday – 12th – Frozen Pizza

Saturday, 13th – Spaghetti – Garlic Bread

Sunday,14th –COOKIE EXCHANGE, 

eMeals - Easy Meals for Busy People!

For more Menu Planning inspiration stop by and visit Laura at Organizing Junkie and participate in Menu Plan Monday.  Need help getting started menu planning – Emeals is a great solution.  Many meal plans to chose from at a very affordable price.

Wishing you all a wonderful week!!!

Happy Cooking!!

Crispy Fried Chicken -  Twice Baked Cheddar Potato Casserole (Taste of Home Dec 2014 pg 46) & Corn
All In One  Pork Chop Dinner (crockpot)
Chicken Dumpling Casserole
Turkey Dijon Melts – Soup (simple Delicious Cookbook)
Loaded Baked Potato Soup, Cheese Pull Apart Bread

Menu Plan Monday: November 17th

Menu

November 16th – November 30th,  2014

WEEK # 1

Sunday, 16th – Shake and Bake Chicken Thighs – Stovetop Macaroni and Cheese/ – Veggie

Monday, 17th – Lasagna Cheese Soup (Emeals A 558) -  Garlic Bread

Tuesday, 18th – Mexicali Casserole/ Chips and Salsa  (Simple and Delicious Dec/Jan 2015 pg 29)

Wednesday, 19th – Broccoli Cheese Soup with biscuits

Thursday,20th – Biscuit and Gravy, Scramble Eggs

Friday, 21st -  Bacon Cobb Sandwiches (Emeals A 557)  and Chips

Saturday, 22nd – Pasta with Cream Sauce

Sunday, 23rd – Pork Roast – Fridge 4 hours (Simple and Delicious Dec/Jan 2015 pg 43) & Creamy Potato Leek Bake (KRAFT Holiday 2014 pg 29) & Spinach Apple Pecan  Salad (Simple and Delicious Dec/Jan 2015 pg 45)

 

WEEK # 2

Monday, 24th – Loaded Baked Potato Soup, Cheese Pull Apart Bread

Tuesday,25th – Holiday Brunch Casserole (Taste of Home Dec 2014 pg 12) , Fruit

Wednesday, 26th – Creamy Sausage-Mushroom Rigatoni (Simple and Delicious Dec/Jan 2015 pg 21)

Thursday, 27th  – Thanksgiving

Simple Turkey  / Herb Butter

1 14-15 pound turkey
1 stick margarine, softened
Bay leaves
Adobo, to taste
1 carrot, chunked
1 stalk celery, chunked
1 onion, quartered
1 green apple, quartered
½ C. water

Heat oven to 500 degrees. Wash the turkey and pat dry (save the bags of parts for your gravy). In the turkey cavity place all your vegetables. Separate the skin carefully from the turkey and place bay leaves and slices of half of the margarine under the skin. Rub the outside of the turkey with the rest of the margarine. Season to taste with adobo. Place turkey breast side up in a roasting pan. Put water in pan around the bird not over, you don’t want to wash away the margarine or seasoning. Cover turkey tightly with foil, removing the foil about 1 hour before turkey is done to brown the skin. Cook turkey at 500 degrees for 30 minutes, turn oven down to 325 and cook for 3-4 hours or until done, a meat thermometer inserted into the thigh without touching the bone should read 180 degrees when bird is fully cooked. Let turkey rest for 30 minutes before serving.

Stuffing-Dressed Up

2 boxes of stuffing mix like Stove top
1 huge onion, sauteed
4 stalks celery, sauteed
1 lb. sausage, cooked

Prepare stuffing according to package directions, before serving stir in other ingredients.

Paul’s Stuffed Mushrooms

Green Bean Casserole

Honey Glazed Carrots

Mashed Potatoes

Dinner Rolls

Cranberry Caramelized Onion Sauce

Ingredients
1 Tbs. vegetable or canola oil
1 large yellow onion, cut into medium dice
Kosher salt and freshly ground black pepper
One 12-oz. bag fresh or thawed frozen cranberries, rinsed and picked over (3-1/2 cups)
1 cup granulated sugar

Directions

  1. In a 10-inch straight-sided sauté pan or skillet, heat the oil over medium heat. Add the onions, a pinch of salt, and a grind or two of pepper. Reduce the heat to low, cover, and cook, stirring occasionally, until the onions are golden-brown and very soft, 20 to 25 minutes. Remove the lid, increase the heat to medium high, and cook the onions, stirring often, until deep caramel-brown, an additional 2 to 3 minutes.
  2. Add the cranberries, sugar, a pinch of salt, and 1/2 cup water and bring to a simmer over medium-high heat
  3. Simmer for 2-3 minutes, then cover, turn off the heat, and let cool to room temperature

Sugarfree Pumpkin Pie

Friday, 28th – 29th – (Holiday) Turkey Soup with Egg Noddles and Vegetable (Thanksgiving Island)

Saturday, 29th – Crispy Fried Chicken -  Twice Baked Cheddar Potato Casserole (Taste of Home Dec 2014 pg 46) & Corn

Sunday, 30th -  Beef Roast and Veggies

eMeals - Easy Meals for Busy People!

For more Menu Planning inspiration stop by and visit Laura at Organizing Junkie and participate in Menu Plan Monday.  Need help getting started menu planning – Emeals is a great solution.  Many meal plans to chose from at a very affordable price.

Wishing you all a wonderful week!!!

Happy Cooking!!

Menu Plan Monday: November 3rd, 2014

Menu

November 2nd – November 16th,  2014

Sunday, 2nd – Meatloaf,  Herb Potatoes, Corn

Monday, 3rd – (Jen Works Late)  Lasagna – Garlic Bread

Tuesday, 4th – (FPU) Sausage Rice Casserole and Green Beans

Wednesday,  5th – (working late) (church) Honey Mustard Roasted Chicken (crockpot) / Stove Top Dressing/ Veggie (Emeals A 558)

Thursday, 6th – (home) – Shake N Bake Pork Chops- Brussels Sprouts w/ Bacon & Garlic (Simple and Delicious Dec/Jan 2015 pg 47) – Baked Rice

Friday, 7th – (home) Tomato Soup (Simple and Delicious Dec/Jan 2015 pg 26) Sourdough Turkey Melt (Simple and Delicious Dec/Jan 2015 pg 12)

Saturday, 8th – Crispy Fried Chicken -  Cheddar and Spinach Twice Baked Potatoes (Simple and Delicious Dec/Jan 2015 pg 46) & Corn

Sunday, 9th – Pork Roast – Fridge 4 hours (Simple and Delicious Dec/Jan 2015 pg 43) & Creamy Potato Leek Bake (KRAFT Holiday 2014 pg 29) & Spinach Apple Pecan  Salad (Simple and Delicious Dec/Jan 2015 pg 45)

 

Monday, 10th- (home) – Lasagna Cheese Soup (Emeals A 558) -  Garlic Bread

Tuesday, 11th – (home) (FPU) Mexicali Casserole/ Chips and Salsa  (Simple and Delicious Dec/Jan 2015 pg 29)

Wednesday, 12th – (church) – Cordon Bleu Chicken Casserole ( KRAFT Holiday2014 pg 60)

Thursday, 13th – Homestyle Taco Mac (Emeals A 558)

Friday, 14th – Bacon Cobb Sandwiches (Emeals A 558)  and Chips

Saturday, 15th –  Creamy Sausage-Mushroom Rigatoni (Simple and Delicious Dec/Jan 2015 pg 21)

Sunday, 16th – Shake and Bake Chicken Thighs – Stovetop Macaroni and Cheese/ – Veggie

BAKING:  Whole Wheat Zucchini Chocolate Chip Muffins ($5Week32)
Peach Cobbler
Glazed Apple-Maple Blondies (Taste of Home Sept/October 2014 Pg 68)
CokeCola Cake (Taste of Home Sept/October 2014 Pg 78)
Apple Almond Bake (Taste of Home Sept/October 2014 Pg 67)

eMeals - Easy Meals for Busy People!

For more Menu Planning inspiration stop by and visit Laura at Organizing Junkie and participate in Menu Plan Monday.  Need help getting started menu planning – Emeals is a great solution.  Many meal plans to chose from at a very affordable price.

Wishing you all a wonderful week!!!

Happy Cooking!!

Menu Plan Monday: October 20th, 2014

Menu

October 20th – November 2nd,  2014

Sunday, 19th- Soup and Grilled Cheese

Monday,  20th -  Breakfast Patties (Taste of Home Cookbook –dark brown  – pg 178), Eggs and Toast

Tuesday, 21st – Crispy Baked Corn Flake Chicken Rice a Roni – Veggie

Wednesday, 22nd – Chili (Crockpot)

Thursday, 23rd – Quesadillas, Tortillas and Salsa –

Friday,  24th  – (Movie Night) Mexican Pizza /Chips and Salsa/ Grapes (Emeals A – 553)

Saturday, 25th – Rosemary Pork Roast  – Best Loves Taste of Home – Pg 522

Sunday, 26th – Pizza Party with Soccer

 

Monday, 27th – Turkey Reuben Sandwiches, Veggies and Hummus (Emeals A – 553)

Tuesday, 28th – Cheesy Baked Spaghetti/Salad and Garlic Bread (Emeals A – 554)

Wednesday, 29th – Taco Salad Crockpot

Thursday, 30th – Hamburger Stew/ Biscuits

Friday, 31st – Toasted Sub Sandwiches – Carrots and Ranch (Emeals A – 556)

Saturday, November 1st – Chili Sauce Chicken  – Roasted Vegetables (Taste of Home/ Simple – Aug/Sept Pg 42)

Sunday,  2nd – Pork Chops with Herbed Cream Sauce, Baked Potatoes and Broccoli – (Taste of Home Cookbook –dark brown  – pg 166)

BAKING:  Whole Wheat Zucchini Chocolate Chip Muffins ($5Week32)
Peach Cobbler
Glazed Apple-Maple Blondies (Taste of Home Sept/October 2014 Pg 68)
CokeCola Cake (Taste of Home Sept/October 2014 Pg 78)
Apple Almond Bake (Taste of Home Sept/October 2014 Pg 67)

eMeals - Easy Meals for Busy People!

For more Menu Planning inspiration stop by and visit Laura at Organizing Junkie and participate in Menu Plan Monday.  Need help getting started menu planning – Emeals is a great solution.  Many meal plans to chose from at a very affordable price.

Wishing you all a wonderful week!!!

Happy Cooking!!

Menu Plan Monday: October 6th, 2014

Menu

October 5th – 19th,  2014

Saturday 4th – Steak, Potatoes and Salad

Sunday 5th – Leftover Steak – Steak Hash and Eggs

Monday 6th (Working Late)  Tater Tot Hotdish

Tuesday, 7th – (FPU) – (Leftover Steak) Wild Rice & Vegetable Beef Soup (crockpot) (Biggest Book of Soup page 326)

Wednesday 8th – Cheesy Baked Spaghetti/Salad and Garlic Bread (Emeals A – 554)

Thursday 9th – Biscuit and Gravy, Scrambled Eggs -

Friday 10th – (Movie Night) Turkey Reuben Sandwiches, Veggies and Hummus (Emeals A – 553)

Saturday 11th – Slow Cooker Pesto Chicken (Emeals P – 547) / Garlicky Baked Butternut Squash

Sunday 12th – Broccoli Cheese Soup (Tom’s Request)

 

Monday 13th (Working Late) – Lasagna (Paul Cooking)

Tuesday 14th -(FPU) Taco Salad (Crockpot)

Wednesday 15th – Vegetable Beef Soup Crockpot – (Fix it and Forget it Lightly pg 133)

Thursday 16th – Chicken Thighs (Slow Cooker- 6 hours)  Emeals-P 540 – Rice a Roni – Veggie

Friday 17th – (Movie Night) Mexican Pizza /Chips and Salsa/ Grapes (Emeals A – 553)

Saturday 18th – Rotisserie Chicken/Stuffing/Corn

Sunday 19th  – Hamburger Stew/ Biscuits

Future Meals – Chili Sauce Chicken  – Roasted Vegetables (Taste of Home/ Simple – Aug/Sept Pg 42)

Grilled Pork Chops, Baked Potatoes and Broccoli (Emeals A – 553)

Chili (Crockpot)

BAKING:  Whole Wheat Zucchini Chocolate Chip Muffins ($5Week32)
Peach Cobbler
Glazed Apple-Maple Blondies (Taste of Home Sept/October 2014 Pg 68)
CokeCola Cake (Taste of Home Sept/October 2014 Pg 78)
Apple Almond Bake (Taste of Home Sept/October 2014 Pg 67)

eMeals - Easy Meals for Busy People!

For more Menu Planning inspiration stop by and visit Laura at Organizing Junkie and participate in Menu Plan Monday.  Need help getting started menu planning – Emeals is a great solution.  Many meal plans to chose from at a very affordable price.

Wishing you all a wonderful week!!!

Happy Cooking!!

Menu Plan Monday: September 22nd

Menu

September 22nd – October 5th,  2014

Sunday 22nd – Rotis. Chicken, Stuffing and Corn

Monday 23rd – Seafood Salad

Tuesday 24th – (FPU) – Chili (Crockpot)

Wednesday 25th- Pot Pies (Paul Cooks)

Thursday 26th – Garden Omelets (Emeals A – 552)

Friday 27th -  Gourmet Italian Club Sandwich  & Caesar Salad (Emeals A – 551)

Saturday 28th – Slow Cooker Pesto Chicken (Emeals P – 547) / Garlicky Baked Butternut Squash

Sunday 29th – Split Pea Soup with bacon & Crab (Sept/Oct  2014 -Taste of Home Pg – 50)

 

Monday 29th –  Stovetop Macaroni and Cheese/ Sausage

Tuesday 30th – (FPU) Taco Salad (Crockpot)

Wednesday, October 1st – Chicken Thighs (Slow Cooker- 6 hours)  Emeals-P 540 – Rice a Roni – Veggie

Thursday 2nd – Country Meatloaf, Mashed Potatoes, Carrots

Friday 3rd – Philly Cheese Steak Stromboli  – Potato Chips and Carrots/Dip (Emeals A – 552)

Saturday 4th – Chili Sauce Chicken  – Roasted Vegetables (Taste of Home/ Simple – Aug/Sept Pg 42)

Sunday 5th – Hamburger Stew/ Biscuits

BAKING:  Whole Wheat Zucchini Chocolate Chip Muffins ($5Week32)
Peach Cobbler
Glazed Apple-Maple Blondies (Taste of Home Sept/October 2014 Pg 68)
CokeCola Cake (Taste of Home Sept/October 2014 Pg 78)
Apple Almond Bake (Taste of Home Sept/October 2014 Pg 67)

eMeals - Easy Meals for Busy People!

For more Menu Planning inspiration stop by and visit Laura at Organizing Junkie and participate in Menu Plan Monday.  Need help getting started menu planning – Emeals is a great solution.  Many meal plans to chose from at a very affordable price.

Wishing you all a wonderful week!!!

Happy Cooking!!

Menu Plan Monday: September 1st

 

Menu

August  30th – September 14th,  2014

Saturday, Aug 30th – Summer Pasta Salad and Grilled  Chicken

Sunday, Aug 31st – Dijon-Garlic Grilled Pork Chops (Emeals P – 548) - Salad and Vegetable

Monday, Sept 1st – Steak, Thymed Zucchini Saute, Grilled Herb Potatoes – (August/September 2014 -Simple and Delicious – Pg 28)

Tuesday, Sept 2nd – Crispy Fish and Chips (Sept/Oct  2014 -Taste of Home Pg – 22) )

Wednesday, Sept 3rd -  Chicken Pot Pies (Steve Cooking)

Thursday, Sept 4th – Emeals A – 548 – Tomato and Cheddar Pasta – Drizzled Lettuce Wedges

Friday, Sept 5th – Crunchy Beef and Bean Tacos – Emeals 492 / Salad

Saturday, Sept 6th  – Chicken Thighs (Slow Cooker- 6 hours)  Emeals-P 540 – Rice a Roni - Veggie

Sunday, Sept 7th – Chili Sauce Chicken  - Roasted Vegetables (Taste of Home/ Simple – Aug/Sept Pg 42)

 

Monday, Sept 8th -Emeals A – 549 – Gourmet Turkey and Pesto Grilled Cheese – Vegetables

Tuesday, Sept 9th -Broccoli Chicken Casserole (Sept/Oct  2014 -Taste of Home Pg – 36)

Wednesday, Sept 10th – Slow Cooker Pesto Chichen (Emeals P – 547) / Garlicky Baked Butternut Squash

Thursday, Sept 11th – Shrimp Pasta Alfredo (Taste of Home Sept/October 2014 Pg 35)

Friday, Sept 12th – Summer Sub Sandwich – (Aug/Sept 2014 – Taste of Home/Simple – Pg 18)

Saturday, Sept 13th – Noodle Soup and Grilled Cheese Sandwiches

Sunday, Sept 14th – Split Pea Soup with bacon & Crab (Sept/Oct  2014 -Taste of Home Pg – 50)

BAKING:  Whole Wheat Zucchini Chocolate Chip Muffins ($5Week32)    /Peach Cobbler

Future Meals – Oktoberfest – Pork Schnitzel with Dill Sauce, Oktoberfest Red Cabbage, German Potato Dumplings, German Apple Strudel  (Taste of Home Sept/October 2014 Pg 46)

Jen’s Eggrolls, Pork & Chive Pot Stickers (Taste Of Home/Simple Aug/September 2014 Pg 34)

BAKING:  Whole Wheat Zucchini Chocolate Chip Muffins ($5Week32)
Peach Cobbler
Glazed Apple-Maple Blondies (Taste of Home Sept/October 2014 Pg 68)
CokeCola Cake (Taste of Home Sept/October 2014 Pg 78)
Apple Almond Bake (Taste of Home Sept/October 2014 Pg 67)

eMeals - Easy Meals for Busy People!

For more Menu Planning inspiration stop by and visit Laura at Organizing Junkie and participate in Menu Plan Monday.  Need help getting started menu planning – Emeals is a great solution.  Many meal plans to chose from at a very affordable price.

Wishing you all a wonderful week!!!

Happy Cooking!!

Menu Plan Monday: August 18th

 

Menu

August 16th – August 31st,  2014

Saturday – Chili and Salad/Diabetic Corn Bread

Sunday- 17th  - Spiral Ham in CrockpotPesto Rice and Broccoli

Monday – 18th  - Beef Enchiladas, Spanish Rice

Tuesday, 19th - French Toast,  Cantaloupe, Sausage (Grandpa’s Syrup and French Toast)

Wednesday, 20th – (Back to School Kick off) – Chicken Salad Sandwiches- Fresh Fruit

Thursday,21st – Spaghetti & Meat Balls

Friday, 22nd - Ranch Burgers, Steak Fries and Green Beans (Emeal A –545)

Saturday, 23rd - Country Meatloaf, Mashed Potatoes, Green Beans

 

Sunday, 24th – Slow Cooker Pesto Chichen (Emeals P – 547) / Garlicky Baked Butternut Squash

Monday, 25th – Sloppy  Joes (crockpot) and Fries(shoestring)

Tuesday, 26th – Asian Beef and Broccoli (Emeals P-547) Green Onion Cauli-Rice

Wednesday, 27th – Unstuffed Cabbage Casserole

Thursday,28th ( Book Group) – Pork Chops and Rice (extra rice)

Friday, 29th  - (sausage) Pizza Bagels and Salad

Saturday, 30th – Chicken Thighs (Slow Cooker- 6 hours)  Emeals-P 540 – Rice a Roni - Veggie

Sunday, 31st-  Summer Pasta Salad and Grilled  Chicken

BAKING:  Whole Wheat Zucchini Chocolate Chip Muffins ($5Week32)    /Peach Cobbler

Shopped at: Sam’s Club, Aldi and Walmart

eMeals - Easy Meals for Busy People!

For more Menu Planning inspiration stop by and visit Laura at Organizing Junkie and participate in Menu Plan Monday.  Need help getting started menu planning – Emeals is a great solution.  Many meal plans to chose from at a very affordable price.

Wishing you all a wonderful week!!!

Happy Cooking!!

Next Menu:  BBQ Pork Chops / Rice a Roni and Corn on the Cob

Menu Plan Monday: August 4th

Menu

August 2nd – August 16th,  2014

Saturday, 2nd – Lasagna Roll Ups – Salad (extra for meal train)

Sunday , 3rd – Chicken Noodle Soup – Grilled Cheese Sandwiches – Peach Cobbler

Monday, 4th – (Working late – 4:30HV) – Tater Tot Hotdish

Tuesday, 5th – (Working Late – 5:30 HV) – Pulled Pork Sandwiches/ Fries

Wednesday, 6th – (Working Late/ Orientation) – Pot Pies

Thursday, 7th – Chicken Thighs (Slow Cooker- 6 hours) Lemon Chive Mashed Cauliflower–  Emeals-P 540

Friday, 8th – (day off)  – Ranch Burgers, Steak Fries and Green Beans (Emeal A –545)

Saturday, 9th – French Dip Sandwiches/ Pasta Salad

Sunday, 10th – Best Broccoli Soup – Croissants

 

Monday, 11th –

Beef Stroganoff – Peas

1 lb ground beef (left over Roast Beef
8 oz sour cream
1 can cream of mushroom soup
(1 t salt, 1 t onion powder)
(¼ c water, 1 t beef bouillon cube)

1 pkg egg noodles 1 pkg frozen peas

In large skillet, brown the ground beef; drain.  Add sour cream, soup, salt, onion powder and water to skillet. Heat to a low boil; add bouillon.  Stir to dissolve; reduce heat to simmer.

Boil noodles while preparing meat mixture. Serve stroganoff over cooked noodles. Serve with steamed peas

Tuesday, 12th – Spaghetti  with Meat Sauce and Garlic Bread

Wednesday, 13th – Summer Spinach Salad – Cream Cheese Biscuits (Emeal A –545)

Thursday, 14th- Spiral Ham in CrockpotPesto Rice and Broccoli

Friday, 15th – BLT Wraps,Pineapple Spears and Potato Chips (Emeal A –545)

Saturday, 16th -  Chili and Salad/Diabetic Corn Bread

Shopped at: Sam’s Club, Aldi and Walmart

eMeals - Easy Meals for Busy People!

For more Menu Planning inspiration stop by and visit Laura at Organizing Junkie and participate in Menu Plan Monday.  Need help getting started menu planning – Emeals is a great solution.  Many meal plans to chose from at a very affordable price.

Wishing you all a wonderful week!!!

Happy Cooking!!

Gear Up Financially for Fall…..

backtoschool

Hello Friends!

Can you believe it is August 1st today??  Summer is winding down and thoughts soon will start turning towards back to school!    Do school expenses sneak up on you???

As tempting as it might be, you don’t want to put your budget on auto pilot.  It is different every single month – those irregular expenses (school expenses,car insurance) will pop up and wreck havoc on your progress if you let them.   We have a separate account were we sink funds for our irregular expenses.  You can read more about the type of expenses we sink for in our blog post “FPU: Sink Your Debt with a Sinking Fund”

If you just need a refresher on budgeting here is a great guide by Dave Ramsey about budgeting.  August is month with a lot of irregular expenses.  Dave Ramsey posted a wonderful article about budgeting for August.  He highlights some of the August irregulars that can sneak up on you.

We haven’t added these items into our budget.  We were happy to have the reminder provided in the Budgeting for August article.   We will need to add lines into our budget for back to school supplies, a few new clothes (we will shop second hand  at Plato’s closet), lunch tickets (yeah, this working mom can’t seem to make a lunch for her kiddo) and fall soccer fees.   We have only accounts for an saved for soccer fees out of the list.

The Budgeting for August article includes a reminder that Christmas is 4 months away so hopefully you have been socking some money away.   We did sock away some money from our tax return for Christmas and we are very proud to say, “It is still there!”  Christmas is usually the category we take funds out of if we have run low in our Emergency Fund or our emergencies have come too close together.

For me, Fall is the time of year when I once again am motivated to get my life organized.  Get the house more organized and clean and menu plan more consistently.  It is great to get back into routine after a little bit of a summer slide.   See, I am even posting a article that isn’t a menu plan, which I have let slide a bit :-)

Fall also brings to the our household our car insurance bill.  We pay every 6 months for the 4 cars we insure.  So this morning, we get the email that $1302.00 is due by the end of August.   In the past this would put us into a panic or we would have to do the installment plan and pay monthly costing us an additional $250.00 in fees.   But this morning, Hubby said,  “do we have enough money saved for car insurance”??  I wasn’t sure so we looked at our Freedom Account spread sheet and we had set aside $1309.00 from our tax return for car insurance.  Seven dollars to spare…..now that is some financial peace that can make you smile!!!

FPPU Banner

Do you wish you could feel a bit of that Financial Peace???  If you aren’t feeling that Financial Peace, join us for our Fall session of Financial Peace University starting on September 16th at 6:30 at First Lutheran Church in White Bear Lake.    Attend the first class for free to get a feel for the class or you can register for the class online on the Dave Ramsey Site.   We have a page on the Dave Ramsey site that is for our specific class.

Remember it is never too late to change your financial future.   Please share this information with others that could benefit as well.  Financial Peace University is a wonderful gift for those newly married.  Give them the gift of starting out on the right foot and missing out on the years of fighting over money!

Financial Peace University, changed our lives, marriage and family tree forever.   That is why we keep coordinating these classes, we have seen the real life changes it has made in us and others.  We have more hope for our future and retirement.   We know we will be able to retire  with dignity   The biggest change was the improvement in our marriage.  Our marriage was strengthened and I can honestly say I can’t recall the last time we have a disagreement about money.  We are in it together, support each other and are a great Team!

The part of our journey that always nearly brings me to tears is the changes in our family tree.   That is amazing!!   Our children’s thoughts on credit, entitlement and finances are forever changed because of our journey.  The life style our oldest and youngest child have lived are a bit different, but the lessons learned are invaluable.  Of course sometimes, my youngest child has said, “I wish we could be a normal family”.   Normal meaning living beyond our means, accruing credit cards debt for vacation that we could not other wise afford, making car payments on new cars, going to movies at the theater and eating out regularly at restaurants.  Sorry, my son, I don’t think we will ever be normal again, thankfully.

Our oldest son is 26 and married.   He has been saving for retirement for a number of years already.  They own their home.  They are living in a modest home they can afford easily.  They have a funded Emergency Fund, live by a budget and pay for cash for most things.   I for one could not say that at the age of 26!!   I would hate to tell you how I was living at age 26, but suffice to say it was  BROKE!  The success of our son, is directly related to our decision to change our life and begin the Financial Peace journey.

generation-change-logo-2

Our son and his wife are also teaching a Financial Class for teens (Generation Change) at First Lutheran starting on September 16th.   Generation Change is an all-new suite of Bible studies designed to lead teens to a better understanding of God, themselves and their money—and how it all works together.   Can you imagine the life your child will have if you equip them with information on how to handle money God’s way at an early age???  Think of all the stress and heart ache they will miss out on!   Our son and his wife taught this last year and the story that impacted me the most was of one young girl getting ready to head to college.  She was working over the summer and saving money for her mission trip, but she also started to save for her retirement.  A 17 year old girl decided that it was a priority for her to save for her retirement !!  Wow, she is going to have one bright future!

If you have any questions about either of these classes simply contact us through our Financial Peace Class page on the Dave Ramsey website.  If you are in the White Bear Lake area, feel free to stop by for the first class to check it out!

Wishing you all a wonderful week!

Blessings…

Paul and Jen
Joyfully Living Below Our Means