Meal Plan Monday

Yep, it’s that time again; Monday, time to go back to work, and do work things.

Sunday morning I woke up at 7 absolutely starving. I got up, made coffee, then laid in bed, watching TV for a little while longer. I was hoping the TV would wake Chris up.. That’s mean, isn’t it? He is the weekend breakfast maker, and like I said, I was hungry! I was out of bagels, and he told me Saturday night he would make some pancakes! He finally rolled out of bed at 8 and made us some breakfast – by then even baby P was starving!

I spent the rest of the morning making my grocery list, coloring my hair & getting ready to go to town to pick out paint colors & go grocery shopping.

sunday am1

Moving on to the real point of this post; Instead of browsing pinterest for hours on end, I went right to the Clean Eating Magazine website and found a few new recipes that would be budget & time friendly. The last three recipes came from Clean Eating Magazine.

Crockpot chicken
spaghetti & meatballs
roasted veggies & bleu cheese pasta salad
Cajun jambalaya
Spanish scramble

Cheeries x 2 $1.99/ea on sale 2.00/ea
Elbow noodles $1.49  
Rotelle noodles BOGO BOGO (1.49)
Flt brd crackers $3.69  
Cranberry juice 2.95  
Mustard $2.19 on sale .50
tomato sauce x2 1.29 2/$1.29
diced tomatoes .89  
vinaigrette $2.15  
tortilla chips $3.49 .50
tomato soup 4pk $3.89  
onion bagels $1.00 .70
1/2lb shrimp 4.23 usually 9.99/lb
ground beef (1.07lb) $4.19  
greek yogurtx4 1.25/ea  
bleu cheese 2.39  
grape tomatoes 2.50 2 for $5
cajun sausage $5.99  
eggplant 1.23lb $2.20  ($1.70/lb)  
eye drops $7.29 after coupon $2 coupon
gallon bags $1.99  

We stopped at the produce stand and I got 2 tomatoes, 2 zucchini & 1 red onion for $4.

I spent about $71 on groceries this week. Not to shabby. 

The price of chicken has gone up in our area (or maybe Florida in general); along with gas prices.. but that’s another complaint. The last two weeks it’s been $4.59/lb, which is up by about $1.10/lb. It’s been a month or so since I’ve bought chicken, but I was talking to some friends today and they commented about the price of chicken going up.

So I’m curious, how much is boneless/skinless chicken breast in your area. Has the price gone up? Is there something happening that I don’t know about? Should I become a vegetarian? JUST KIDDING. I love steak and shrimp to much..and sushi, and… well, meat.

Happy Monday, Friends!

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Why we refinanced

After an excruciatingly LONG & ridiculous week, I am SO thankful it’s the weekend, (but so sad that tomorrow is Monday already).  Chris FINALLY made it home on Friday, after being out of town (again) all week. That was week number 5, and I am SO thankful that he plans on being home this coming week. Hallelujah!

We met up at the bank at 1pm so that we could finally close on our re-finance. Man, that was a long (but not difficult) process!  After reading THIS post on Words of Williams blog back in February; Chris and I had several talks about refinancing our own home.  I know, you’re probably confused because 5 minutes ago we had our house on the market, and now we want to refinance. Yah, we can’t make up our mind.

Our home loan used to be through Mid Florida Credit Union (if you have the chance to use them…don’t) – In 2013 they started a new thing where they sent us paper statements every month vs. those payment books. So when we got the statement we could actually see where our money was going. $273 towards our escrow for taxes/insurance.  (yeah, our taxes/insurance are ridiculous)… (never live in a flood zone. it’s not a money smart choice)  $5xx towards INTEREST (excuse me, what?) and a measly $17x towards our principal. Seeing that breakdown in February pretty much SEALED THE DEAL.  (We definitely NEEDED to refinance) We were paying WAY TO MUCH interest.  Seeing those numbers made me sick.

When we bought our house in 2010, I guess the interest rates were high  – to be honest, I paid no attention to the whole buying process. I wasn’t on the home loan –  Chris dealt with pretty much the entire process. I just showed up to closing and signed some papers. (not smart on my part, not smart..don’t do that. be involved).

I started looking around & playing with every single mortgage calculator  known to man to try and figure out what kind of rates we could get and how much it was going to cost us.  Eventually I gave up and called BB&T;  it took them about 3 weeks to get their act together and call me back, but we weren’t in a rush, and we were still thinking about whether or not this was something we really wanted/needed/could do.

BB&T was/is offering low closing costs, with a rate of 3.74% for 15 years. After some calculating we determined this would raise our payment about $100. 

Some stuff happened, blah blah blah, we ended up adding more to our loan and at signing we are paying about $221/mth more.

and now in picture form:

refi graph

Overall I am very pleased with the process and happy to be free of Mid-Florida. Paying more is not fun, but 15 years is so much better than 30.

Obviously refinancing would not be ideal for everyone, but it was definitely ideal for us.  I realize this type of post is way outside the realm of what I normally post, but this was a great learning experience for us, and definitely eye-opening.

get it together

What a great weekend! It was totally relaxing (except for the part where I spent a few hours cleaning the house).. but other than that, it was nice & relaxing.

Monday Tuesday is here, and with Monday Tuesday brings last weeks recap, and a new meal plan. I’ve been slacking on the meal planning – well, I haven’t been putting it on the blog, but I’ve still been planning meals. It’s the only way I can stay in my grocery budget.

Let’s look at last week’s miles:

What should have been & what actually happened

Monday –  5  actual 3 – thank you creeper
Tuesday – 6 – actual 6
Wednesday-  rest actual 3  I wanted to make up the miles from Monday
Thursday- 5 actual was 5
Friday- rest yup, I rested
Saturday- 10 actual 10.. harder than I anticipated but still 10
Sunday- rest for sure rested. my legs were done

Total actual miles – 27

That’s a pretty good week of training (for me). 

image

This week is an easy week with all runs being at a slow, relaxed pace and without my garmin.

Monday, Thursday & Saturday are rest days
Tuesday, Wednesday & Friday are 3 mile days
Sunday is race day

After this race I want to work on increasing my mid-week miles. Unfortunately, this time of year is probably not the best time to try and start increasing miles, only because it gets dark so early. Running more than 5 or 6 miles before dark is difficult. This might be easier to accomplish if I could get out the door for a run in the morning. It would seem that no time of year is really a good time to run; it’s either to hot, or get dark to early. I guess I’m going to have to decide which one I hate less. This is a something I need to think about ,and re-visit after this weekend.

Meals

This week brings nothing but easy meals. I didn’t feel like scouring the interwebz or cookbooks for new recipes this week so I’m sticking with some oldies, but goodies.

grilled buffalo chicken w/ carrots
spaghetti
chili
sausage w/ peppers & onions

and I’ll have to come up with one other meal, maybe left over spaghetti or chili. I’ll be out of town Saturday night, and possibly Sunday night at dinner time, so Chris will have to fend for himself.

Organized hoarding:

Sunday I watched hours of Extreme Couponing on TLC. hours. It was the only thing on. I can’t understand the obsession with having that much crap in your house. No way. I could understand an extra couple of body washes, soaps, canned goods.. but entire rooms/garages dedicated to extra stuff. No. Even if it’s free. I don’t care. I don’t have enough time, or patience for that mess. Plus, there are no stores locally that have the kind of in-store programs that these people seem to be taking advantage of.

Chris told me that he wouldn’t mind if we had a small stockpile. I just stared at him. I would agree with have a small amount of canned goods, and some water stored. But, I don’t need half my house full of stuff I won’t be alive long enough to use.

How do you feel about extreme couponing? Organized hoarding? or Necessary?