So… my husband purchased a “Life & Apples” growth planner and I’ve decided that today would be the day to start logging in my affirmations, tasks and goals for my life. I actually started brainstorming and writing small notes a week prior so that when I opened my planner, I would be ready…hopefully.
What I soon realized however, is that what I thought were just small, attainable goals actually required many steps to achieve. For example, under the “Career and Finances” category – I wrote that I wanted to stop using my credit cards as much as I have been in the last three months. To do that, requires me to cut down on spending. Therefore, I checked my bank and credit card accounts to see where the bulk of my spending was and it was *insert drum roll* grocery shopping. Ridiculous! I used to coupon and check the weekly ads for sales, but I’d stopped that and just started shopping every week all willy nilly. (It doesn’t help that I live within five miles of Target, two Meijer stores, Walmart and Kroger) – so my spending has definitely increased. I realized that I would have to become more organized with my shopping lists and spending habits.
I started by writing down and numbering every meal that I like to make for the family complete with sides. I wrote down the corresponding numbers to days of the week.
Monday – #1 – Meatballs with gravy, mashed potatoes and green beans.
Tuesday – #5 – Tacos, etc…
Then, I wrote down all the necessary ingredients that I would need for each meal.
On a separate sheet of paper, I began writing down the items that I didn’t have available in my fridge or pantry and I started clipping coupons. I then went to my Ibotta app and my Checkout 51 app to see what would be eligible for rebates later and wrote that down. My next step was to go to each store’s website to see what was on sale, clip my rewards and go shopping. I decided on Meijer for this shopping trip. (I also use the Shopkick app while in the store which is why I can’t shop with my kids – I need to concentrate). It seems like a lot of work but gets easier over time. I ended up saving over $50 – with an additional $7.50 in eligible rebates!
At least now I can start the week off with savings! I knocked off a couple of tasks in pursuit of the goal of cutting down on my spending and that felt great. I’m also going to look around to find out other ways to save today.
I think this planner is the way to go! I can look at my goals at the beginning of the week and see much I’ve achieved at the end. I just have to be consistent…in everything. Wish me luck!