Thursday, January 25, 2018

Financial Preparedness: Week #4

We’re on the home stretch with meeting our financial goal for January!    There’s only one more week before February arrives and we’re pulling out all the stops to meet our goal of funding 10% of our emergency fund.

Here’s what we did this week …

I’ve continued working on earning Swagbucks, trying to earn an Amazon gift card.  I figured out the remaining number of Swagbucks I needed to reach my desired goal and divided that by the number of days left in the month. This tells me how many I need to earn each day in order to reach my goal for this month!!  It’s on with me and Swagbucks!!!!

We’ve intentionally spent very little money this week …

We’ve said ‘no’ to a couple of things we would have liked to have done …

We’ve saved our change this week …

There really were no big monumental accomplishments this week, just several little ones, however it’s those little ones that will lead us to our goal!

We continue to ask God’s blessings on this endeavor …

I continue to journal our journey ...

And we keep on keeping on!

How are you doing on your January financial goal?

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patsi
She looketh well to the ways of her household … Proverbs 31:27


Thank you for using my Amazon affiliate link when placing your Amazon orders.  I earn a small percentage that doesn't increase what you pay and it helps me keep my pantry well-stocked!

15 comments:

  1. We have done pretty good. My truck doesn't start so this has kept me home and saving gas. Not that I go out a lot in the winter anyway. I have earned some gift cards since I'm home so much and I am still saving quite a bit with Kmart offers I have replenished some of our toilet paper supply for free using the offers they send me. Winter is always so slow for me, but I still manage to save which is good!
    XOXO
    Vicky

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    1. Vicky, you've done good! January and February are good times to earn those gift cards ... you go girl!

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  2. Dear Patsy, You are doing great! I am glad your January goal is coming together. This to me kind of builds momentum for the next month! I had a heap of January goals and I keep an eye on them and they are going pretty good! I am also praying. Now you know how much fruit I have... I am drowning in it. I thought I would have none or very little since all my regular sources dried up. It looks GRIM. I prayed that new sources would be available to me even if it was very good deals not just free. Well the power of prayer staggers me. I have never had so much fruit. It just keeps coming. I am flat out keeping up. So we can certainly pray to build up our emergency fund, pantry or whatever... It is like praying before hitting the grocery store. I cannot fathom how much difference it makes! So wonderful. Since doing this I have found bargains I never used to find! Have a lovely weekend! With love Annabel.xxx

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    1. Annabel, your comment is so encouraging to me, thank you for sharing ... yes prayer is powerful!

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  3. That change really does add up fast. It's a great savings tool. I want to earn a swagbucks gift card too-that will make two this month. We spent one but from now on I'm going to save them. I have 97 swagbucks to go before I reach 500. I think I can do before the end of the month. I'm really slow at it but like you say I keep on Keeping on!

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    1. Vickie, baby steps ... keeping on keeping on ... sometimes I have to remind myself of that too!

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  4. Dear Patsy,
    We are continuing to save and stay within our budget. We haven't brought in any extra income, but our only purchases this week were gas and groceries. Oh, wait, I just remembered. We bought a high chair for John which was a need and that was purchased second-hand at half the cost of a new one. (It's a wooden one, easy to clean!) Other than that, we are still on track! I am just keeping busy at home and using what we have.
    I hope the rest of the month sees you meet your goal! Thank you for the continued encouragement. You are helping keep me accountable when I feel like a little extra spending won't hurt ;)
    Love, Kelsey

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    1. Kelsey, I have to fight those 'a little extra spending won't hurt' thoughts from time to time too! We can do this! Thank you for encouraging me!

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  5. I had not been grocery shopping for 2 weeks, so we were low on quite a few things. This crew never ceases to amaze me. One time, they won't eat this or that, then the next time....it's all gone in a hurry. I can never quite tell. However, cheese was top of the list this past week. I think they went through around 5 pounds in the past 2 weeks! Yikes! So, I spent last week's grocery budget, plus this week's. I needed quite a few special things, because my special needs nephew and niece are spending the weekend. Part of those are because they are very picky in what they eat (like around 10-15 items for my autistic niece, total--he's slightly more adventurous) and part is because I'm auntie. The bagels, certain kind of yogurt, certain bread, crunchy peanut butter, are because they are what she or he will eat. The Star Wars popsicles and ice cream bars.....well, that's all auntie food:). I was glad I had both week's money to shop with and we had no trouble eating well from the pantry last week, even without shopping. I was able to get milk for 99c/1/2 gallon, so got a bunch.

    I am also trying to fill up my account marked "summer." Since last summer was the first time my husband had it off, because his new job is for the school district, we weren't sure what to expect. In actuality, I was able to work enough, and he worked some, caring for my niece and nephew, that we didn't need it during the summer. BUT, in September, when they went back to school, and he did, there was a greatly reduced paycheck from that source, and we needed the extra saved money. So, I want to re-fund that account, and really should mark it "September/October."

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    1. Becky, by planning ahead those lean times can be made more bearable. Good planning on your part. As for the Star Wars popsicles and ice cream bars ... hey, everybody's got their weakness'!!!

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  6. You are doing great! My husband saves all our change in a big jar on his dresser. Funny how fast that adds up!

    We earn an average of $50 to 60 in Swagbucks gift cards each month by using the Swagbucks apps on our phones to run videos. My husband and I each have 2 extra inexpensive smart phones running off our wifi everyday until we max out what we can earn each day. We do have to babysit them a bit but they earn for us everyday. It cost us each about $75 for the two phones but we bought them with gift cards earned through Swagbucks to WalMart. Now they just pay for themselves over and over. We use our Swagbucks for our personal wants but this week I bought a second canner with my Amazon cards at no cost to us.

    We were able to change the plan that we are on for our health insurance to the higher deductible one for the year. This will save a ton of money in premiums. We also found out that my husband's previous employer had deposited $2400 in a healthcare spending account for us! We can use it until it is gone. Such a big help for doctor visits!

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    1. Lana, what a great idea on earning swagbucks, thank you for sharing this! How blessed you are that you have a paid HCA!

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    2. Thanks for the tips about the Swagbucks videos, Lana! I am going to look into that as I don't earn very much otherwise.
      Love, Kelsey

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  7. Hey great work on the goals, you so inspire me!

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