Goals + Steps for September

Goals for September:

1. Stay within budget. Even with a baby coming.

That's all, folks. One goal, but not exactly small or simple. Like I mentioned in my first post, we've been going over budget (particularly in grocery, restaurant, medical, and home categories) way, way, way too much lately. It'll be even harder to keep our spending in check once Charlie arrives. The hospital bill, grabbing a quick bite at the drive-thru, ordering pizza delivery because we're way too tired & sleep deprived to even think of cooking a full meal.

Steps to Stay in Budget:

1. Stick to our grocery budget, which is $200 a month. For a family of three  (very, very soon to be four!) that is more than reasonable. $50 a week is doable, so make do!

2. Research and print and clip and cut and upload any available coupons for groceries. Absolutely no impulse buys! If I don't have a coupon and it's not on the list, it isn't happening.

3. Stock up on any sales for "quick make" foods, like frozen pizzas and steamable vegetables. Maybe it's not the healthiest, but paired with a side of fruit & veggies, it'll be better than eating out.

4. If we must order out or hit the drive-thru, we absolutely have to be using some sort of coupon deal. No way are we paying full price.

5. Take advantage of every opportunity to make extra money, since that hospital bill will be coming. For my husband, that means grabbing any available overtime. For me, that means snagging deals even if going to the store sounds like a nightmare and filling out any surveys on the sites I frequent (Pinecone Research, Hallmark Mom's Community, Swagbucks, etc.).

6. Don't wear makeup on days I don't have to. The foundation powder I use is $25 a tiny container, so I really should get used to going bare faced more often.

7. Cut down on shower time and turn the water off as much as possible to reduce the water bill. I have a tendency to use the shower as my spa... my lazy, spacey, personal time. It's not good for my wallet or the environment so I really gotta stop that.

8. Turn off the TV and unplug devices when they aren't bring used or charged. Sometimes we'll be watching a movie, but with a three year old, we eventually make our way to his bedroom to play with toys or outside to run around. Forgetting to turn the TV off raises the electricity bill.

9. Hopefully that beautiful fall weather will be coming soon! Turn the AC off as much as possible to reduce the electricity bill, and open the windows to get some fresh air!