Budgets

Best Way to save money

 

 

The best way to save money is to pay attention.

The magic of doing a monthly budget.

Ever since we began doing our budget on Everydollar.com , we are more in tune to how much each of our monthly expenses runs. I can easily see if a bill goes up or down by even a small amount. Certain bills will fluctuate: Water, electric…etc. There are some regular bills that shouldn’t fluctuate and when they do there should be an explanation. So this brings me to this post about paying attention and how it can save you money. A recent example happened this evening.

 

When scanning over our budget, I had a bill that seemed higher than it should be. Looking over the bill I couldn’t quite understand why it was higher than the previous month.  I took the time to call the 800 number and ask to speak to a customer service person. Politely, I  asked them to walk me through our bill. There was an error in the bill by $30.00 a month.  I asked her “do you see any other area that we may be able to save because you found that error so easily?” She looked over our bill and showed coverage that we had that we didn’t need. It was a savings of $20.00/month!

Well… when you do the math: $30.00 X 12 months = $360.00 and  $20.00 X 12 months =$240.00  for a total savings of $610.00!

The phone call took me 22 minutes. (Wow thats almost $1,800.00 and hour.) LOL.

 

In all seriousness you can save money by taking the time to pay attention. Even if it is one bill a month it is worth the effort. I promise you. That is money that I would have just continued to pay if I had accepted the bill as a “victim” of “things are so expensive”. Look how much this bill went up ” drama, drama, drama”. Drama does you no good. Taking action does.

  1. Pay attention to your bills and the amounts you are paying each month. “The trend is your friend.”
  2. Understand the breakdown and why you pay what you pay. Don’t just accept that – What you are paying is the best deal you can get.
  3. If you don’t understand Ask. Be polite. Be kind and professional. People by nature love to help. Call and say:” I need your help to understand this”. 9 times out of 10 they will help.
  4. Make a success list, of savings you have identified. Keep a post-it note, list  in your planner, or a note on your phone- however you would like to keep track and after awhile your list will build and you will be surprised at what you can save in a years time.

I keep a list in my Bullet Journal and I love looking at the results after 6 month time period.

If you are working to save money, and get out of debt, read Dave Ramsey’s Total Money Makeover! Click on the book below to order.

.

We followed his plan and got out of debt.( including our mortgage!). You can read our debt free story, on my home page of why we decided to get out of debt for good.

I stand in a relationship with Amazon Services LLC Assoc. Program and use their affiliated links. This means that some of the links take you to Amazon.com where you can view and/or purchase a recommended item. If you do purchase the item (within a certain time period), I may earn a small commission from the sale. I ONLY link to products that I have reviewed or used myself and would recommend to family or friends.

0 comment

The 10 stupid things we have done with money…that are “normal”.

I keep promising to do a post about the “normal” stupid things that we have done with our finances over the years.

Afterall, if we are going to inspire others and talk about how we are 100% debt free including mortgage, and cabin…THEN….

We have to be completely transparent and talk about our journey and struggles before we followed the Dave Ramsey plan. Most of these  are  completely normal in our society. Complete normal money practices. Make no mistake these are things that keep you in debt and remember “borrow is slave to the lender” mode and mentality.

 

  1. Took out a loan against our 401K.
  2. Debt consolidation loan.
  3. Home equity Loan
  4. Hid money stress and spending from my spouse.
  5. For years, I bought to make myself “feel better”even if it was garage saling or on sale.
  6. For years, bought things because I was immature, and justified the purchases to myself saying “I deserve it because I work hard…” (“wah wah” sound effect should be playing). Or a temper tantrum.
  7. Buried my head in the sand, and didn’t look and add up how much money we owed.
  8. Didn’t do a monthly budget.
  9. Interest only loan with a balloon payment due at end of 10 years.
  10. Not following the wisdom of the bible on how to manage your money.

WE have all done stupid with money, what is your worst?

 

Don’t fool yourself into believing there is “good debt” – there is no such thing… if you don’t believe me read his book.

A great place to start is with Dave Ramsey’s book the Total Money Makeover. It spells out the 10 Babysteps to get out of debt. The plan that we followed. What are you waiting for? Click here to get the Total Money Makeover. .

I stand in a relationship with Amazon Services LLC Assoc. Program and use their affiliated links. This means that some of the links take you to Amazon.com where you can view and/or purchase a recommended item. If you do purchase the item (within a certain time period), I may earn a small commission from the sale. I ONLY link to products that I have reviewed or used myself and would recommend to family or friends, or have bought for family or friends.

Time to get control of your money, and get out of debt,  What are you waiting for?

 

2 Comments

EveryDollar.com

I wanted to take a quick moment to share a tool that I love! (okay it isn’t this drill, but this picture I loved because taking control of your money eventually leads to Freedom.)

tools-you-can-use Financial Freedom and Peace.
If you have read my blog before, it is no surprise that I am a big fan of Dave Ramsey, we not only follow his teachings and program, my husband and I are Financial Peace Class Coordinators.

If you don’t know where your money is going every month, than you need to follow a budget- before the month begins and give every dollar a “name”. This sounds simple and it is not, until now Ramsey Solutions has made it so much simplier with their new computer program/app called Everydollar. Click on picture to go to there site.

everydollar

5 Reasons I like “everydollar” over a spreasheet budgeting: 

1.There is a iphone app that gives you access to the budget that you set up on your computer. It  tracks what we have planned to spend, what we have spent and what is remaining in each catagory for the month.  This helps when you are shopping and tempted to say “just this once”. You open the app and look at your clothing budget and it gives you instant balance of what you have to spend for the month for that category.

2. Sounds restrictive? No! You are in charge. You tell your money where to go , before each month begins, each and every month based on the priorities you have set in your life. Seriously, it gives you control and a sense of peace.

3.Unexpected killer  Side benefit, I have found myself not wanting as much.  Sounds kind of funny but, I find myself having a sense of peace that I didn’t know would come from being directive about money and being in control of it instead of wondering where it went at the end of the month. Reminds me  when you are shopping, have no money you find all the best outfits, shoes, and home accessories you could ever ask for, then when you get your budget money for the month you shop and can’t find a thing.

4. I love that it is free. Now I have to fess up and say I did link it to our bank account so I didn’t have to add the transactions manually. That service costs 99 dollars a year, because the bank charges Ramsey Solutions. In my not so humble opinion–It is worth triple that cost. It saves so much time. The other thing I love about it is that it makes budgeting fun. I know— I know— sounds really weird but, I love the ‘control” aspect so much, that it gives you instant gratification.

5. Gives my husband and I the ability to review our budget very quickly. I make the budget and then we sit down and he gives his input and we move stuff around after discussing our priorities. For instance we recently this past year added a wedding savings account for our dear daughter.  She is 19 and in college and far from getting married.  But some day…and I don’t want that day to be full of stress and concern over money. (There will be a budget limit — but we will be prepared.).  every little bit saved is better than not saving at all…

0 comment

Journey to get out of Debt – Part 3

If you have not had a chance to read Part 1 & Part 2 , I would take the time to do that. It helps you understand our journey and may help you in your journey to become debt free. Let’s start of with a visual of how the beginning of this stage felt:

CHICKEN

The company I  worked for was moving towards a substantial set of layoffs. Our industry was hit hard, like many in 2008-2009 timeframe, and the writing was “on the wall”. It was a terrible time, because if you remember, we were back in consumer debt and managed to get ourselves into more “secured” debt with a bigger home and a cabin. I was in a horrible place emotionally. It took it’s toll on us, physically and emotionally.To add to the turmoil,  I had to have surgery during this time and was on a short medical leave. My husband went back to work to make ends meet while my pay was cut. Afterall, we had gotten ourselves into a place where there was no “wiggle” room.  I looked for solutions everywhere, including taking a loan against our 401k plan at my job. (Not a smart move, and especially if you are potentially going to lose your job). Notice I said “I”. hmmm…transparency is key to making sure that you work as a team with your spouse. (more on that later).

OLYMPUS DIGITAL CAMERA

This is a photo of us during the stressful lawsuit and the potential layoff at my job…I look at this picture and remember how hard it was on all of us…I don’t like to look at this picture other than to know it is a great reminder.  The promise we/I made to ourselves to never be in a similar situation again.

I started hunting for a job, while working fulltime.  A very stressful place to be, especially if you have been a loyal employee for 10 years. I wasn’t very successful at first. I look back and see that future employers may have detected my “desparation”.  I kept praying and I found a job posting on Career Builders. It was a position that had a connection with a previous boss, whom was now a Vice President. I applied and started the process.  Our industry was in a downsizing mode, I was only looking to “replace” my current salary and get us back on track.  My prayers were answered and I accepted the position. Our second try at the Dave Ramsey program began… Our first step took place during my job hunt,  we handed the bill paying responsibilities over to my husband, and we started to work together more consistently. No trying to protect each other from stress and hiding financial situations. My husband is home with the kids and it made more sense for him to track our spending and pay our bills. Besides it helped keep me accountable for sticking to our plan and for him to be more aware.

images

 

It was a very slow go but, we followed the babysteps and were very diligent about our spending.  We took every bit of extra, as well as our snowball ,and attacked the smallest to largest debt. Though our smallest debt wasn’t that small. At the same time, we worked to try to refinance out of our current mortgages. To our dismay  we didn’t qualify due to our home value and debt ratio. As hard as it was,  we continued to have tenacity and after 2.1 years we paid off all of our consumer debt.

Sold our rental, paid off the legal bills, paid off any and all credit cards, and fully funded our emergency fund with 3-6 mos of living expenses.

To celebrate we went on an all cash paid vacation to Destin Florida. It felt so good to be free from the consumer debt and pay cash. We had not been on a vacation for 7 years! It was the best vacation ever, because we felt so free from having paid off our debt!  Now it was time to tackle our home and cabin mortgages. More about that in Part 4.

I generalized alot in this post. But, Dave Ramsey’s plan spells out the easy steps. Follow them exactly and you will be well on the road to Financial Freedom.

 

 

 

Gabby.Garrett.Destin.2011

 

 

0 comment

Our Journey to get out of Debt – Part 2

Our journey was going well and very successful.  We were completely out of debt except for our mortgage and had a fully funded emergency fund. HAPPY DANCE!!!! Then it happened…I found out I was pregnant with our second child. WILDER HAPPY DANCE!!!! It was such a wonderful blessing. I continued to work through my pregnancy. gabgarrettWe realized that we needed to finish our basement- to move my office from our extra bedroom to the basement.  That would be my dear son’s nursery. It didn’t kill us, my husband refinished it and we paid cash as he built it. We were very happy with the rebuild and spent a lot of time as a family in the extra space.  But, I have to admit our starter homes’ walls were starting to cave in on us me.  We needed more room. (Or so we I justified). My DH is the sensible one.  He is happy with whatever he has. He doesn’t have a materialistic bone in his body.  But, I am the driven one and really wanted to move to what I would call our more permanent family home. So…The house hunting began. Model 2   We made a list of our must haves and bought a bigger home. WE were buying when the banks were loaning money like crazy.  My new promotion was bringing in good money so we jumped in head first. and landed pretty well…if we would have been able to stay on track. Something happened when we bought this home. I felt invincible. That we could do and survive anything. A real false sense of everything will work out- no matter what happens. Higher mortgage payment, higher living expenses and we decided to keep the previous home as a rental property. (bad idea- we didn’t own it – it was financed). Whew…I am getting tired just thinking about it all…Of course I left out that we paid cash for a truck and “bought” (financed) a small cabin in the mountains during the good times.

cabin in the woods.pngWe were even making extra payments on the cabin every month… Of course the loan on the cabin was a horrible interest only loan. Yikes…subject for another post. So we went from a small percent of debt to income ratio to a very large one. Thinking as long as we had money in the bank, weren’t using credit cards, had emergency fund of 3-6 months of expenses and my great job– we were living the life. yeah a life balanced on top the head of a pin. Looking back–the move was a good one. When I see the great neighbors that we have gotten to be close with, and my DS’s neighborhood gang of friends that he hangs around with ( 9 boys- count them- 9) …it is a no brainer and I am glad we made the move.  And of course–  I love our home.  DD was 8.5 and son was 2.5 when we moved here. A lot of great memories…

Neighborhood Gang2.jpg

It spending money on a truck, cabin and keeping the rental that wasn’t smart.  It was weird.  We embraced the debt free life – but only with consumer debt. We never considered the cabin, rental and our home— debt. Normal people mistake number one that will always keep you broke. This is what made our situation so dire when life hit us hard. We moved in and paid cash for all of the extras we bought. We were very committed to staying debt free.

craxy mommy picture

Then the bottom fell out, I hit crisis mode at my job , health issues and a law suit all within a 6-12 month period.  We went through our entire emergency fund- SNAP! (for legal fees-etc).  (Thank God, we had it or we would have had to move).  We went back into debt… about 39 grand…plus our previous homeand cabin debt.  It was was a horrible feeling.  How did we get here again??? I went back to work once my health issues resolved and realized that the foundation of my health problems were the stress from a not so stable work situation. I refocused and worked hard and I found a new job, my health improved and our lawsuit was settled. (that sentence is simple but the process was definately not). The lawsuit was a financial loss and one that you fight because it is the right thing to do, not to become rich. “To be come rich”- that job is for the lawyers (on both sides).  But, I grew more as an individual during that time than I ever did any other time in my life.

MotherTheresa quote don beth

 I learned to be confident and grew in confidence.  I am a great mother, wife and employee.  I know I am willing to do the right thing even when no one is looking.  To do the right thing because – it is the right thing. I have been given more gifts and perspective than a large financial settlement would have ever provided. Ever. I realized during that time that I will do whatever I need to. I am the type of person that never ever gives up. Even when my mind and body was telling me different I rallied on…amazing quality. I am blessed. I got this from my dad. We lost him this year on March 31st. I have his fight.

daddy.garrett

At our lowest point–I will never forget looking out our master bedroom window, and making a vow to myself that we will never be in this situation ever again. I was so overwhelmed. I kept thinking that I had worked my entire life (I am the breadwinner, DH is a stay at home dad) and we were close to being completely broke. BROKEN. How could this be? Granted we live on one income, and have for years, but we made more than enough money- not to be in that situation. What does Dave Ramsey say? We make too much money to be this broke. In the end, Life happens and I could “blame” it on life circumstances, but when I reflect back it was also a lot of STUPID decisions. At that point I realized that we didn’t understand or completely follow “the Debt Free including our mortgage” if we got ourselves back into this place again.

This was the beginning of our second try at the Total Money Makeover by Dave Ramsey. More in Part 3.

0 comment

Our Journey to Get out of Debt—Part One

My husband and I made a goal in 1999 that we wanted to be debt free including our mortgage. We want to get out of debt! It happened after we had too many–okay–cough cough – a ton of fights over money and spending.  Okay–cough cough – my spending habits.

At the time, I took a class at our local recreation center.  It was from an ad in the newspaper and the program was by Ron Kumata. I actually cut our credit cards in half during that one day class.  We were instructed to bring a list of our debts and all of our credit cards.  I still have the workbook today.  It is very sentimental.  It changed my way of thinking–our way of thinking about money.

220px-Cutting-loose-5600

You will want to shoot yourself if I bored you to death with our entire journey over the last 13 years. But, I will try to give you the snap shot.

What debt did we have anyways?

  • Transition Debt- when my husband quit his job to stay home with our 3 year old (now 17.5!!)

(A move we have never regretted. So many people ask me how I can work so hard.  Because my husband is home with our babies.)  It was a rough financial transition. Pre debt free class, I hid a lot of money issues from my husband.  My deepest secret on our  pre debt free journey—get ready to cringe—like bad—- is when I used an advance on our Discover card during the transition to one income to pay our mortgage payment. OUCH!  I hid it cause I knew he would never quit if he knew our situation was that dire. (Live and Learn) Lesson 1 of any debt free program is not to keep financial secrets. EVER!!!!

secrets

What else?

  • Student Loan Debt(mine)- I had at the time what seemed like a mountain…23K…

I know that Dave Ramsey (the popular and wonderful debt free program) and other programs tell you not to get into debt to go to school.  But I worked full-time and lived in my car for a spell…gotta do whatcha gotta do….

  • Credit Card other than the Discover that we used for our transition debt…
  • Car Loan
  • Clothing store credit card
  • You name it we probably had it…as well as a mortgage

I really should get the book out and get the original figures.

So we jumped in full force. I read everything I could get my hands on about getting out of debt fast.

We started to live off of the envelope system, and cash.

Budget Envelopes

 

 

Oh was it hard at first, then it got fun. It turned into a challenge for me to see what type of  quality life we could live on for less.   It made me start to yard sale and cook more.  I furnished our house with yard sale furniture, and bought secondhand alot.   After that initial stretch….ahem yes initial stretch (more about our fumble later cough cough)—

we paid off all of our credit cards, our family car, and my student loans and managed to fund a complete emergency fund.(6 months of income).  It was amazing.  My spending habits changed.  I helped quite a few friends with their finances. 

There was alot to our journey…as you can imagine…One of the funnest challenges was to continue to get people gifts.  I love to buy gifts.  I am a gift giver…generous by nature.  We would eat out of the pantry and eat leftovers so I could use grocery money to buy a birthday gift…no credit cards.  One time I used my birthday gift card to buy someone a gift…but, it didn’t hurt.  It felt good and like a challenge… I garage “saled” a really cool chair and handpainted for my Goddaughter for her birthday.gift_guide_photo

Step 1 if you are just starting your journey is to read about being debt free. and then face the music.  Write down everything you owe. Every penny and come clean with your spouse if you are hiding anything….hope you make some progress before Part 2 post of Our Journey to becoming debt free….

 

 

 

 

0 comment

“If you are sooo into Dave Ramsey…why don’t you downsize?” You ask…

If you are new to my blog you know that I  my DH and myself are into working to become debt free before we retire.  Well, actually a lot sooner, but it includes the mortgage.  We are on one income, so that is reasonable to extend the timeline a little bit.

We made the decision years ago for my DH, dear husband,  –to stay home with our kids.

(We love this movie!)

Darn those priorities…Just kidding.

It was the best decision we could have ever made.  He was wonderful with them when they were infants, toddlers…talk about the schedule man. He was amazing. It has been a true blessing.  So funny that you just do what you need to do.  I feel fortunate that we have been able to afford for one of us to stay home.  Many people don’t have the luxury.  Once you get used to living on two incomes…its so hard to stop….I remember getting a cash advance on a Discover card when my husband quit that first year….Ouch…okay that was before understanding debt free philosophy, but we did what we had to do!

I actually have been judged by people because I work…and my DH is the one that stays home.  But, like Mark Cuban said on SharkTank when an inventor was talking about being a stay at home dad  and one of the panel members started dissing him…saying “your poor wife…she..blah blah blah….”

Mark Cuban said, Actually, Maybe she is a really smart woman because he is good at it!  He’s a really good father.

Okay I am getting on my stepladder again…I am so grateful for my DH and everything he does to care for us, just like the women that stay/or stayed home. We all make the choice to be at home…and blessed to be able to do so.

 

Squirrel— I digressed from my original question…so if we want to be debt free so badly why not move or “downsize” into a smaller place you ask? Well, no one really asked, but it is a situation we recently considered quite deliberately.  Makes sense right? Especially with DFC, dear friend Christy being a realtor, and DFK, a house flipper–we could very easily.

This is why….the neighborhood gang.  My DS, dear 10 year old son, is in the center.

 

Can you believe that many kids around the same age in one neighborhood?  Are we lucky or what? They are all amazing kids…they have so much fun.  I know it may end someday…as they keep getting busier with their sports and activities.  They are quite the amazing bunch. (sniff.sniff)

 

Now for the other reasons…

This is the home that we have lived in the longest as a family.

We have such great memories here. A lot of  “firsts” —Birthdays, first communion/confirmation celebrations, surprise parties, holiday dinners, firsts for our kids, first job, drivers license, , school dances, dance recitals, basketball games, after game parties, bbqs, cousins over to play, of course the memories of day to day living.

It has so many of the things on our want list when we bought it…(this was our third house and we really understood our needs at that point)

  • Mud room/Wash room combination
  • separate dining area
  • Eat in Kitchen opens into great room
  • Bedrooms privately upstairs
  • unfinished basement
  • a Main level office that is separate from rest of house
  • master ensuite – bath with double sinks and tub hooked to a master closet
  • a guest room that has it’s own separate bath
  • a three car garage with a separated 2-1 so we can have a shop
  • Opens up to open space…
Now we would trade that all to live near our neighbors that have turned friends.

It is still a work in progress…we still have so much fun to have getting it the way that we want it to truly  make it ours!

So the adventure begins, working to make it ours on a DR budget. We did re finance to a 15 year mortgage and our payment went down! Are debt free but our mortgage and our cabin.

We have settled in and I am glad we did and didn’t make a hasty decision.  I want my DD to be able to come home from college to her same house that she grew up in. It won’t matter to her that it is still is forever a work in progress it is after all her HOME.

 

 

 

 

0 comment

Organizing “Cards”…gift cards, membership cards, punch cards…

Okay here is the thingie….. I am a card collector.

If you have a punch card that gives you credit for buying a dozen bagels and you will give me a free dozen– even if it takes me two years to fill. I will use your card. Yes I know what a hassle. Does the time it take really save you any money?   I don’t really know.  I just know I collect and use cards.

  • But, not just punch cards all types of cards.
  • Movie membership card- after a few movies you get a free pop and popcorn. So what is the big deal. It’s worth it right? Burrito punch cards, bagel punchcards, staples printer cartridge cards…you get the drill.

ENTER PROBLEM—How do you keep them organized, (until someone comes up with an app and everyone is electronic).  I am not the “carry the house with me” in my purse kinda gal–so I had a challenge.   Especially gift cards, we love gift cards but, often they get misplaced or we let them sit until the value has been dropped by a monthly fee. (Hate American Express gift cards for that reason–really you deserve my money for me carrying it around and not using it–they are thieves).  My husband is an uber saver and I have to convince him that if he saves a gift card until it expires it equals no money. Actually, he has gotten way better.

Being in our debt free mode I have another motivation–utilize our cards to do things–since we don’t want to spend the money!

Okay I just jumped off my “cute  thrifted kitchen stool” (thought that fits my blog more than soap box).

Here is the pile.

Hey honey where's my punch card?

Here is what I started with.

So I went to Staples and used my staples credit and bought a system that is a cheap-o version of the Levenger system. I love it.  Yes- ironic- I used a gift card to buy a system to use gift cards…I only bought the business card holders and filed away. (Okay it was a recycle my printer cartridge credit- everytime you recycle a cartridge they give you 3.oo credit.)

If you are not famiilar with the Levenger system it is a ring system so pages and inserts can be removed and shifted easily. So you can add your own paper. Gotta buy their hole punch. Staples cheaper version is about half the cost of the Levenger.

 

Staples Cartridge credits came in handy...
No more messy pile on my desk, purse or briefcase! Yeah!

NOT SO FAST BATMAN!!!!!

UH OH!

Enter exacto knife, pretty purple thrifted, of course ribbon, some industrial strength velcro, and a sewing machine. and you have a handle and a closed binder. I love it. We have used 3 cards in the last two days because of how organized it is.

  1. Cut a slit in the end of each side of the front and back cover.
  2. Cut ribbon and threaded it through hole on each side.
  3. Sewed a loop, and sewed each closed. (Since the system comes out I just pulled the front and back page off and put it under my machine like material).
  4. Then used adhesive velcro piece on each side. and Voila

 

 

 

 

 

0 comment

Pinterest Project—Making Laundry Soap

I  have seen so many of these laundry soap recipes on Pinterest I just had to give it a try. Have you seen the price of laundry detergent lately? Wow.

I couldn’t find the original post from Pinterest, but here is a snapshot of a photo of it from my iphone. Don’t you love technology? I wish I could read the title of the blog it looks so awesome. If you recognize it please comment back.

From iphone screen shot...

So I bought the supplies. I had the Borax from when we used cloth diapers. (yes, I loved cloth diapers). No comments please.

all my supplies

Okay so I don’t dust my garage stash of cleaning supplies evidently. lol.

I couldn't help but do a close up of this dust -- seriously...

Here is the borax box close up. Kills the myth of perfect home and blog lands. or at least my real world. (smile).

Grating the bar of "fels" soap.

My DGS, dear God son, Calvin bought me this awesome grater. He is a chef in training in Seattle. Wonderful person. He may cringe when I link this to him on Facebook. Sorry Cal–I love the cooking stuff you sent. So you grate the soap, and when you are done it looks like this.

Then you take this and grind it in your food processor. A few tips I learned don’t put the grater or the food processor parts in the dishwasher. It made my entire dish load have a soapy film all over it.

Once you have grinded it to a finer powder, mix it with the borax, washing soda and baking soda. It smells so wonderful. You are only supposed to use a couple of tablespoons per load. Good thing cause one bar only made this much.

Of course I didn’t do this alone my DH, who humors me with my “projects” was happy to help.

 

Isn't he the best? seriously...girls...gotta good man keep him!

This would be a good time to show off my Cricut Soap container I made to hold the powder laundry soap as well. TADA.  Feedback from DH on the soap. My DH stays at home while I am the breadwinner, so he does all of the laundry. (I know lucky lucky lucky…) He said that he has noticed no difference. The one difference that I have noticed is that our clothes smell so good. My kids have sensitive skin and they have not reacted to it. So I believe it is a success. I know there are better recipes or different ones out there please post them under comments.  I think I need one that makes more detergent. This was a little depressing for the effort when I look at the results.

 

 

3 Comments

The Best Pulled Pork Sandwiches…ever..

I needed something to serve for the Bronco game on New Years Day. I searched the internet and found a video on making pulled pork sandwiches. It is on about About.com. Click here to view.

You need a  5 pound Pork Shoulder. All I could find was a 7 lb- er. We may be freezing some pulled pork. ;0).

This is washed, patted dry and then rubbed with spices.

 

 

I was looking for an excuse to use my cooker that I got for Christmas. This will be the perfect test. (Because we can brown it in the cooker prior to slow cooking.) My DTD,( dear teenage daughter, (if you are new to my site) actually put the rub on it and browned each of the sides! (Which is quite a feat – poor girl was very grossed out by the raw meat). While I prepared the rub, and made the sauce. Okay it sounds so difficult but, it was easy after watching the vid. I never knew there was such a thing as smoked paprika. (That is the secret my friends).

Here it is in the cooker..

In my new tech kitchen toy.

I love BBQ and I can relax tomorrow because our Bronco meal will be prepared. I bought rolls and chips and will make a salad and we will be good to go! You don’t put any seasoning on it just the juice it cooked in. Also when you shred it you can pull out tons of the fat. I must have thrown out 1/3rd of the meat that was not lean. (ok I know it still isn’t killer healthy but, every bit helps a girl ya know).

Can you believe I made this. It is awesome.

 

I put these in rolls and served them up the next day. They were a big hit with my DH’s parents. We sat around on my new sofa (more on that later this week), under a warm heated throw eating pulled pork sandwiches watching the football game. Doesn’t that sound so all – American? (Well, you know me it was a feat to get me to actually sit through and entire game). After being off of work for Christmas holiday I was relaxed enough to sit. lol. Let’s not talk about the game….ugh…

 

 

 

0 comment

Enjoy this blog? Please spread the word :)