My favorite Day of the Month!

Today was it. It’s not my favorite day of the month just because it is pay day, although that helps, but it’s really more what pay day triggers for me that makes me happy. Today is:

1) Pay day which means budget allocation day & bill paying day (which used to be my LEAST favorite day before I budgeted)
2) The beginning of my two day monthly grocery shopping
3) Monthly grocery shopping means huge Sam’s shopping trip where I “play the game”

I won the game today by the way. I add everything up in my head as I go through Sam’s Club and have the kids help me remember numbers as we get distracted. The bigger the number and the closer I am to the total at check out the giddier I get. I often do a mid-month Sam’s Club run but it’s the first on of the month that is always a pricey run because I get all of my grocery items that will last throughout the month in one trip. For this trip I was really out of a lot of meats and I have committed to a shrimp dish for my Freezer Friends group so it was a big number. Being the dork that I am I really like to tell the cashier my estimate before the total is rung up. Today I said $332 and it came up at $329 and change and she said, “you won!”
My poor husband has to hear about this for a couple days at least. Now if I had guessed $329 he would be hearing about it for at least a week so he should be ok with just a couple days. He tries to be a good sport but really he just rolls his eyes and by the 10th time I tell him how superbly wonderful his wife is at budgeting and totaling groceries and such he’s had it and must ask me, “how much longer are you going to go on about it this time?”

So anyway, I also hit Walmart today and tomorrow hopefully I’ll hit Aldi’s and then Giant Eagle (compare to Stop & Shop, Piggly Wiggly or Krogers). I keep a price book which I will share at some point where I have compared prices of various items that I purchase on a regular basis. In general I have found that I get the most for my money buying bulk at Sam’s (even better than sale prices at Giant Eagle) and then the best bargains are found at Aldi’s and then Giant Eagle (especially with coupons which I am trying to be better at). So I shop the stores in that order, generally. So whatever I did not find at Sam’s will be bought at Aldi’s and whatever I don’t find at Aldi’s I get at Giant Eagle. That leaves me with nothing but produce runs at a much smaller local store, Heinen’s, which has wonderful produce and a great lunch meat that we like in our house ($5.99/lb or $4.99 on sale), milk runs at Aldi’s ($2.39-$2.69/gallon whole milk), and the bread outlet twice a month ($1.29 loaf or $1.03 on sale). Trader Joes is right by my gym and there are a few things I get there exclusively. It is easy for me to stop in at Trader Joes after the gym but it isn’t a regular monthly stop. It sounds like a lot of trips but I swear to you it isn’t. Before I monthly meal planned I felt like I was always running to the main store, Giant Eagle, and I was paying more than necessary if I had consolidated my trips to other stores and I would swear about the produce quality regularly.

My budget/”envelope system” has been in place for nearly a year and a half now and it feels so good to deposit little bits of money into my pretend envelopes and see goals get nearer and nearer each pay period. Budgeting the money for what we really need it for truly is a better feeling than going out and replacing our broken DVD player without having saved for it first or having a new sweater. I am a simple nerdy budget person and I love it! So happy budget day to any budgeters out there.