- Produce
- Diary
- Coffee Creamer - $3.84
- Sour Cream - $5.69
- Margarine - $3.49 - We cannot take butter camping, it gets too cold in the cooler, so camping is the only time we eat margarine
- Shredded Mozzarella - $5.99 (sale)
- Shredder Cheddar Mozzarella - $5.99 (sale)
- Cheese Curds - $5.99 (sale)
- Meat
- Salami - $10.99
- 2 Pepperoni Packages - $9.98 (sale)
- Pepperoni Sticks - $9.29
- Ham Slices - $6.49
- Breads/Baked Goods
- 2 loaves Wonder Breads - $6.00 (sale)
- Hot Dog Buns - $3.00 (sale)
- Burger Buns - $3.00 (sale)
- Pantry
- 4 Rice Cakes Packages - $11.00 (sale) - I eat these with cottage cheese for lunch most days
- 4 cans of red kidney beans - $5.96 (sale)
- 4 cans of black beans - $5.96 (sale)
- Hazelnut Spread - $4.99 (sale) - This is a treat for G when we go camping, he likes making dessert bush pies with hazelnut spread and bananas
- Canada Dry Tonic Bottles - $6.26 (sale) - Another camping must have for G, Gin and Tonic’s is his drink of choice
- Canada Dry Ginger Beer Bottles - $6.26 (sale) - Moscow mules are my drink of choice right now so this was a camping must have for me!
- San Pellegrino Lemon Cans - $8.51
- 2 Pizza Sauces (squeeze bottles) - $5.98
- Fibre1 Bars - $4.99
- 3 Mr Noodles - $6.27
- Misc
- Epson Salts - $8.99
- Household
Wednesday, 20 July 2022
Meal Prep Weekend & Grocery Spending
Sunday, 10 July 2022
Grocery Spending & Reduced Food Waste
Saturday, 9 July 2022
Budget Update & Wheat Berries
Monday, 20 June 2022
Lots of Recipes
Last week was full of good food wins - lots of items used up and getting a bit creative/ trying new recipes.
Of course it started out with a good organize of the freezers. We have one big chest freezer downstairs and then our regular freezer drawer upstairs in our kitchen. I like to keep upstairs minimal with only a few fruits, veggies, frozen herbs and any items I know I’ll use up during the week. I took a mental inventory as I was cleaning and have some meal ideas for the future. We have used up all our homemade pre-made meals, except for one veggie soup portion I have frozen still.
Last Saturday I took three large ziplock bags of frozen vegetable straps (1 bags each of: carrot peels and ends; celery ends and leaves; and onion skins) and made 28 cups of veggie stock! I let it simmer all morning and then started to process of slowly freezing it all. I have a silicon ice cube tray that has marks for 1/2 cup and 1 cup portions so I was able to freeze a few different combos to have handy.
On Saturday I also roasted my first whole chicken which I had gotten on sale at NoFrills a few weeks ago. I looked up a few recipes but this one (linked below) was highly rating but also a very simple recipe. I’m not going to lie: I thought the recipe was too good to be true. The chicken is only stuffed with celery then seasoned with salt, pepper, garlic powder and onion powder and cooked for 1 hour 15 minutes (with a 30 minute rest time). Best chicken ever! Will definitely make the recipe again. We used it in a few different recipes during the weekend and week, G even made a buffalo chicken pizza on a flatbread that turned out really good.
https://www.allrecipes.com/recipe/83557/juicy-roasted-chicken/
During my freezer organizing, I was reminded of the many many pounds of ground beef we own. So we used 8 pounds, making two different recipes. We made 4 pounds of kabobs to have for lunches during the week and 4 pounds of sundries tomato burgers, which we also had for lunches and meals throughout the week.
G had a few days off during the week so smoked a chuck roast (also from the freezer) which turned out amazing! I guess they call chuck roast the “poor mans brisket”, and it did remind me of a nicely smoked brisket. I’ll have to compare the prices next time we are in the city to see what the price different really is.
We were also in the mood to bake this week. Monday evening I made a blueberry/cranberry skillet cake (recipe below). It was good, not too sweet, but I might add some nuts or granola next time to add a different texture. This used up frozen blueberries and a bit of the frozen cranberries I had in our freezer. It was a nice ‘healthy’ treat to have with my coffee each morning.
https://snack-girl.com/snack/blueberry-skillet-cake/
G had to feed our sour dough starter and made 9 loaves of bread with the discard and some of the starter. Most of these loaves will be frozen for later eating, which helps restock our freezer because we had no loaves left in there.
- M
Saturday, 11 June 2022
Productive Weekend
Wednesday, 1 June 2022
Playing Catch Up
What a month and a half!
Last time I had a chance to write it was all about my personal triumphs and finally, at the age of 31, learning how to drive stick shift. I won’t lie: although I love my SUV’s comfy ride, it has been nice being able to take the Mazda if it works out better. For instance, G had to replace the rear camera on the KIA (part ordered online and he did the work himself), and he was able to do that on one of his day’s off during the week instead of waiting for me to get home and rushing thru it in the evening. He also replaced the breaks, changed the winter tires, etc. My car has definitely had some nice maintenance lately! The only thing left for the next little bit will be some new winter tires come November. We have the money saved for that in our flex account so once we see a good deal in the Fall we can purchase them.
In other big news: our house is officially on the market! I’m glad we waited to start all the relocation madness until after our company left because it felt like our house was turned upside down. Kids are busy, lol. The exact day G drove them to the city to catch their flight, I came home and was in cleaning mode. That weekend we met with our real estate agent, signed the listing agreement, had our official relocation meeting later in the week and then scheduled a home appraisal. Good news is that the market in our small town looks WAY different than when we purchased and our home appraisal came back $45,000.00 more than when we purchased in 2016. We had quite a few showings so far but no offers. Seeding is in full swing in Saskatchewan so I’m hoping we will get even more action once the farmers wrap up.
We also learned from our relocation meeting that RCMP moves work a bit differently now. Most of our expenses will be covered, however, we need to pay up front and then get reimbursed. Last time we moved they dealt with payments and invoices directly. I’m glad I’ve been hoarding money once we knew this transfer was happening, that buffer will help with some of these costs.
My life is a little chaotic right now, we just got back from a two week visit back home. We flew into Ontario and then drove a Uhaul back to Saskatchewan. Luckily, we cut down our driving time by going thru the US. We took the scenting route thru Michigan’s Upper Peninsula (the UP) and indulged in pasties! My family would vacation in this area every summer and G has joined us on a few trips when we first started dating so it was nice to enjoy an area that bring back so many good memories.
The reason we brought a Uhaul was because we were clearing out G’s dad’s garage. He passed away very suddenly last summer, and G’s step mom sold their house and is downsizing. G took a lot of his dad’s tools, work benches, smoker, BBQ, etc. So that is currently all dumped into our garage waiting to be sorted.
That will be our goals this weekend: starting to organize and sort, I want to plant my flowers and garden, clean the windows, and organize our finances from after our trip.
It looks like it’ll be a beautiful weekend for outdoor tasks, as long as the wind dies down here!
- M
Monday, 11 April 2022
New Skills
Monday, 4 April 2022
House Declutter Weekend Extravaganza
Sunday, 27 March 2022
Sunday Happenings
Transfer
Saturday, 5 March 2022
February Wrap Up
Tuesday, 1 March 2022
Sick & Low Key Weekend
Saturday, 26 February 2022
Tax Pre-Planning
Sunday, 20 February 2022
Isolation Day 5
Waiting for groceries! & yes, our sour dough starter is named Joan of Starch |
Friday, 18 February 2022
TFSA Funding
One of our main goals in 2021 was replacing money we had taken out of our TFSA’s.
It started with two withdrawals we did in 2017 & 2018 when both my grandma and grandpa passed away and we needed to book last minute plane tickets and car rental (and in the case of my grandma, book a hotel).
Then it was a 2016 withdrawal that we took out to pay down our line of credit after completing a basement remodel.
The last was a 2015 withdrawal we did to pay off our car loan we had sitting on our line of credit. At that time we just had the TFSA’s in a daily interest savings account so it really wasn’t making us money. Which is how we justified the transfer.
In total, between both our TFSA’s, we needed to pay ourselves back $22,361.47. Last week after our bills had been paid I transferred the last amount owing of $2,854.35 to our TFSA’s to complete this goal!
It feels great to pay back what we borrowed from ourselves, even nearly 8 years ago for some amounts. It feels weird because it’s all our money but even with our budget the money in our joint chequing account the “House Money” as if it’s this separate entity we need to bow down too, lol.
We still have over $100,000.00 of contribution room between both our TFSA’s, but that is not a priority for us right now. We still have our automatic monthly and biweekly contributions on autopilot and I’m happy with the chunk of money that is growing tax free for us right now!
- M
Thursday, 17 February 2022
Covid +
Tuesday, 8 February 2022
Meal Planning, Canning, Baking & Grocery Budget
Meal Plan for the Week:
Monday: We had mini sliders using some ground beef and a few buns that have been in the freezer for waaaayy to long. G canned some red onions with garlic and jalapeños and left one jar in the fridge to use with our burgers. The rest of the jars (I think there were 7 in total), we put downstairs where the rest of our salsa lives. I have some bigger plans for canning experiments this summer - we have salsa down pat but I would like to try making some chutney’s and pie filling. This weekend when I was reorganizing our freezer upstairs, I found a bag of really REALLY old strawberries - I think the bag had more ice than strawberries, lol. I looked up a use for frozen strawberries and found a recipe for a baked crisp. I made that yesterday and was able to get 24 bars - which I individually packaged and froze. I took one to work today, to have with my coffee in the morning and it was delicious! I think I have some frozen rhubarb from my garden somewhere in the freezer downstairs that I can easily add to this recipe in the future.
Tuesday: Sunday night I took out some chicken thighs (again from the freezer) and made a marinade for them. Tonight, G is baking those up with some roasted carrots and potatoes.
Wednesday: We are going to use up the rest of the baked chicken thighs but make a wrap out of them. Lettuce was on sale at our Co-op this week so we are defiantly trying to eat as much salad as possible. Wraps were in the pantry - so more of an idea to use those up too.
Thursday: Pork buns and salad. Again, when I was cleaning out the freezer upstairs, I found the last of our homemade pork buns we made in 2020. G and I both work days on Thursday, and the buns are an easy meal to throw into the steamer. I’ll cut up some cucumbers and red peppers to throw into the salad as well.
Friday: Freezer Meal Friday! Lots to choose from here - we will see what kind of meal we are craving on Thursday and just take it out then.
Saturday: We are having a double date night! A local restaurant is having a Valentine’s Day steak special so I booked spots for G & I and our friends, C & D. C just found out on Saturday that she has Covid, and she came over for pizza on Friday, so I’m holding my breath that we didn’t get it… if so, it looks like these Saturday plans will change, lol.
I have a rough idea of things I want to make next week (I really want to make a Hamburger Soup on Sunday) but I try not to plan too far ahead because something always seems to come up…
I calculated our final grocery bill from January and it came out too $339.77 (not including the beef purchase of $850.00). I had budgeted for $400.00 so I’m definitely happy with this result! The beef purchase is included in our grocery line officially but I know that will average out over the year for $70.83 /month. For February I will try to keep the grocery budget about the same - aiming for $400.00. I know G had to go to the store to pick up some fruit and cereal - which we were low on. He spent about $100.00, but purchased everything on sale! He washes, cuts up, and freezes all the fruits, which he then eats as a snack. I might try to go over the flyers with him every week to see if there is a fruit he would like that’s on sale, that way we can spread the stock up bill through the weeks and keep the rotation changing for him. I’ll see if we have the time to organize, lol.
- M
Saturday, 5 February 2022
Good News Friday
Yesterday was the perfect day to end a stressful week.
My manager’s goal was for everyone to “have a day to breath”. And that’s exactly the kind of mood everyone was in. It was still an extremely productive day for me, but without the looming deadline pressures.
A subcontractor, who I have been helping on a project with, emailed me saying how impressed she continues to be with my work and if I ever need help with my career path to let her know and she will do her best to try to make it happen for me. Getting her recommendation/reference has been in the back of my mind for a while and I was eventually going to ask when the time was right but I feel even better that she approached me about it. This will make the 3rd recommendation offer from people I have worked with in the past 2+ years. And their references come with a lot of connections, so I know how much weight that has not even 10 years into my career.
So why this talk of job references? Well that leads me into my next good news:
G has been training and studying for the last year for a certain qualification that would make him the ideal candidate for a unit he would really like to get into. He has been talking to the Corporals of that unit to flat out ask what he needs to do in order to make his name go to the top of the list. Last April, he got this qualification training approved to get paid for, and has been studying ever since. Yesterday, he wrote the exam - very quietly I might add… lol. He didn’t even tell me until the day of when he was letting me know he was shutting off his phone for a bit. I didn’t make a big deal out of, just texting back a super casual good luck, even though I kept checking my phone all afternoon to see if he texted. He passed! This is perfect timing too because someone from the unit called him a few weeks ago to give him the heads up that there is a strong possibility that a position would be opening up in the next few months. Now with this certification under his belt, he’ll be ready when it does come up. We’ve been at this current posting since 2016 - so I definitely know staffing wouldn’t deny him a transfer either.
Lots a moving parts though, so not trying to plan to far ahead…
To continue with a wonderful Friday, N made it out to my place for our movie night! Night shift ended up stopping by (N worked with G so these were all her coworkers before she transferred) for a slice of pizza and to catch up + some caffeine before heading back out. N and I kind of watched the movie once they all left, but mostly caught up with each other. I need to make it to the city soon to see her new house! N and I have always had a no pressure friendship - we can go months without seeing each other but once we do it’s like no time has passed and we pick up seamlessly right where we left off. Although, our friendship is that way I do want to make more of an effort to come out to see her or let her know if we are in the city for appointments, if she can catch lunch or coffee. I know how much I would appreciate the thought (even if it doesn’t work out for her to come see us/me).
Starting Friday with a good mindset set the wheels in motion for a Feel Good Friday, and that good mood is continuing on into the weekend! I have my beef stock simmering, roast in the slow cooker & a strong coffee next to me on the couch. Happy Saturday :)
- M
Thursday, 3 February 2022
A Snow Storm and Weekend Plans
Monday we got a huge snow storm - one of the worst I've had to drive thru in a while. Work sent us home a bit early and I'm glad because once it got dark out, all the highway's in our area (or pretty much the entire southern/central part of the province) had closed. G was working days so I'm glad he didn't have to be working in those conditions because there were a ton of people still trying to drive/getting stuck. We hunkered down Monday night, I did a bit of laundry and other small chores around the house and made us some nice tea. Tuesday's drive to work was much better than the drive home the previous day, just a few areas were the snow had drifted really badly. I stopped for one person who had driven into the ditch but they were fine (just waiting for the tow truck).
G and I have recently upped our car kits: adding lots of hand warmer, a tow rope, and a space blanket. Although I don't wear my winter boots, hat and gloves when I'm driving I do have all those things in my car just incase. We also have the basics: shovel, jumper cables, etc - it's good insurance just incase myself or someone else needs help.
Dinners this week:
Tuesday: Leftover freezer lasagna
Wednesday: Pork chops (a freezer meal we had marinated and froze) with some roasted potatoes that have been in the pantry for a while.
Thursday (today): G switched to nights, so I'll make myself a salad with some left over pork - maybe roast some more potatoes. Tonight is my cleaning night so I’ll be glad to have an easy no-prep dinner.
Friday: A friend, N, from the city is coming over after I'm done work to have a pizza and movie night with me. G is working nights but I’m ordering a bit extra pizza in case those that are on shift can come over for a quick bite to eat.
Saturday: I’m going to use one of our roasts we got from our quarter beef to make a slow cooker French Dip! I’ll probably make some buns to go with it since I’ll be in the kitchen most of the day on Saturday. I’m also going to make some Beef Broth with some of the bones we had gotten from the beef as well. THAT is a process, lol. I’ll have to wake up easily on Saturday (after a late night on Friday) but I definitely think it’ll be worth it. We have chicken stock in the freezer but not beef - so I think that will be nice to have on hand.
Sunday: Left overs! & Probably a relaxing day after spending most of Saturday in the kitchen
- M
Monday, 31 January 2022
Compensation
Saturday, 29 January 2022
Saturday Happenings
$47.02 worth of groceries (not pictured: $10.79 pack of toilet paper) |
Thursday, 27 January 2022
Food Investment
G picked up our beef today and we had just enough room the in freezer (thank goodness)!
Long story short: a friend of ours is on a curling team with a local beef farmer and he was processing a cow but didn’t need the entire beef. So our friend said they would take a quarter and asked us if we wanted the other quarter. I am no stranger to the difference in quality that properly raised beef has - so when we had this opportunity come up G and I agreed right away.
It was a slight investment…. but we also received A TON of beef. Like I said: our freezer is packed! The cost: $850.00 but that includes all the processing, wrapping and packaging.
Here is a rough inventory of everything we received:
- 62 pounds ground beef (all individual wrapped in 1 pound packages)
- 8 packages of soup bones
- 6 sirloin steaks
- 2 fillets
- 4 porter house
- 2 wing steaks
- 4 T-bones
- 4 ribeyes
- 4 packages of boneless chuck
- 1 12inch brisket
- 5 rump roasts
- 2 sirloin tips
- 1 eye of round
- 1 package back ribs
- 2 packages short ribs
Processing the entire beef averaged around $4/lbs. Looking at flyers: the sale price at the Superstore for ground beef is $4.49/lbs - but since we don’t live anywhere close to a Superstore - we would need to make a special trip to the city. Our local Co-op, which is the only grocery store in our small town, doesn’t have ground beef in the flyer this week but does have eye of round for $4.99/lbs (limit of 1).
Regardless if it’s a good deal or not, I am happy with everything we got! While we were playing freezer Tetris this evening, G and I deemed February should be ‘Freezer February’, since we still have a bit of room to make.
Looking forward to the meals we cook up!
- M
Tuesday, 25 January 2022
Networth - December 2021
Assets:
Liquid - $23,451.85This is anything we can easily liquidate with no penalties given a real emergency. I used to include our TFSA's in here but I need to get out of that mindset that we can use those accounts for emergencies. Instead focusing on setting up a buffer account and a proper emergency fund.
Retirement - $425,860.69
G’s pension is a defined benefit pension at his work. For this calculation we take the cash value of the pension he would receive if he were to quit. This also includes my pension and RRSP’s. Also includes our TFSA's.
Hard Assets - $251,000.00
House value and car private sale amounts. The car values I update yearly in December.
Liabilities
Mortgage - $121,424.87
Consumer - $13,521.74
The only consumer loan we have right now is a car loan.
Networth: $565,365.93
Long Time No Post 2.0
Okay, I swear we aren’t going to keep meeting like this (famous last words).
Things with G and I are still kicking along but I'll spare you the recap until it comes up in a post.
We have been making some leaps and bounds when it comes to our NetWorth. Last year we had some unfortunate situations happen but after putting it off for waaaaayyy too long I decided to prioritize my mental health and have begun to see a therapist. Funny enough: when I wasn't doing well and things were spinning out of control, I found sitting down and budgeting the best thing to do in order to relax. I'm pretty sure I've reach a new level of pathetic, haha.
I finalize our 2021 budget spreadsheet last week and a big goal I want to focus on this year is getting our grocery budget under control. We averaged $600.00/month last year - I would like to get that lower but not 100% sure what a reasonable number goal would be. We have deemed January - use it up month - aka the month we get creative with what is in our freezer and pantry. We have ¼ beef coming from a local farmer that might be processed next week, so we really really need that freezer space! So far we used up $249.34 of our $400.00 grocery budget and I feel positive we can keep that number under $350.00 this month.
On the weekend I made a lentil soup, which used up all the lentils we had in the pantry and made a rosemary and sun-dried tomato focaccia to go with it (frozen rosemary was from the garden and sun-dried tomatoes were in the fridge). Yesterday, G made some mici (Romanian sausage) from the freezer and I cut that up to make a salad. Today we are having some minestrone soup (again from the freezer). So, we are defiantly eating well!
This weekend we are testing out some new camping equipment for the first time. In December, we treated ourselves to a hot tent - basically a canvas tent with a stove inside to keep you nice and toasty warm. We decided since we our winters are so long in Saskatchewan we might as well take advantage of it! Since it's our first time winter camping we are just tenting in our backyard (that way we can bail if things go horribly wrong, lol). I will report back and let you if we survive! ;)
- M