How to create a debt snowball

How to create a debt snowball ~ Simplify. Declutter. Organize.

Disclaimer:  I am not a financial adviser.  I am not a certified public accountant.  I am not an estate planning attorney.  If you need financial advice, seek an appropriate professional. 

Are you working on organizing your finances?  If you have debt–and most of us have at least a mortgage if not car payments and one or more student loans–a primary step is to prioritize paying it off as quickly as you can.  But did you know there are multiple strategies to pay off debt?

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Shop for groceries once per week with a menu plan

My aunt used to go to the grocery store every day for the food she needed to make dinner that evening.  I cannot imagine.  I hate going to the grocery store even once a week!  In fact, I try to avoid going that often when I can.  But there are people who do drop by the grocery store at least 2-3 times per week, even if 1-2 of those visits are to pick up only an item or two such as milk or bread.

Whether you visit the grocery store daily or just once per week, to save time and gas on needless visits, you should create a weekly menu plan.  The key is to build your plan around food already in your pantry and freezer and then buy only what you need at the grocery store once per week (or once every two weeks, which is typically my goal).  I cannot promise that you won’t ever have to visit the grocery store mid-week again–on occasion, we drink all of the two gallons of milk I buy early in the week and have to restock–but if you are visiting the grocery store twice or more consistently each week, you can save money over time if you create a menu plan and stick with it.

Other benefits to menu planning

Menu planning can help you save money in other ways, too.  If your family is like mine, if you have a definite plan for dinner with no ingredients for it missing from your cabinets, you will be less likely to decide that you just want to pick up some fast food for dinner, saving you tens or even hundreds of dollars every month.  In addition, if I have a specific food that is going to turn bad in the near future, I plan to use the food in my menu plan early that week so that food is not wasted, also saving my family money and avoiding food waste.  Finally, I can review circulars/ads for sales and my coupon binder for the coupons I have on hand and menu plan accordingly to take advantage of those deals, saving my household even more money.  For example, right now, I know I have a coupon in my inbox from Zaycon subtracting $20 off a purchase of $100 or more of meat.  I will have to buy tens of pounds of meat at a time and store that meat in my standalone freezer, but ultimately, I will save $1 to $2 per pound of meat.  I will then create a plan for using that meat in various ways over the next weeks and months.  As another, simpler example, if red peppers are on sale for half their typical cost, I plan multiple meals with them that week.

Okay, so saving money appears to be the primary benefit.  Saving money is good, right?  And if you shave off just one shopping trip a month, you’ve saved yourself some time and stress, too.  Win, win!

How to create a menu plan:

  1. The first step in creating a menu plan is is to obtain a menu plan template.  Fortunately, I have an editable, savable PDF menu plan form already on my site!  You just need to be a subscriber to access it, so click here to subscribe if you haven’t already done so.  Download the PDF to your computer, and open it in Adobe Reader.  You should be able to type your plans for dinner, breakfasts, lunches, and snacks right in the form.  If you would rather just write in your meals, you can just print a blank copy, too.  In fact, if you intend to write out your menu plan plan each week, you could laminate one printed page and write on it with a dry erase marker and use the single page again and again!
  2. The next step is to determine what meals you will have over the next week and type those meals into the menu plan template.  As I said previously, I base my weekly meals largely on what food I have on hand.  For example, this week, I had carrots and potatoes that needed to be used, so I planned to make chicken noodle soup and baked potato casserole to use those.  I also review the sales circulars/ads and incorporate any major sales I see.  If I know Zaycon is delivering boneless, skinless chicken breasts for $1.69 per pound this week, I will work to incorporate varied chicken recipes into our diet more often than typical:  chicken Parmigiana, chicken tacos, white chili, sauteed Worcestershire chicken, etc.  Finally, I do add in meals based on food we don’t have on hand but would enjoy having–grilled steak, for example.

Done, mostly.

And that’s it for the actual menu plan creation.  A few more things, though:

  • If you are indecisive about dinner and typically have nothing extra in your cabinets and buy your food week-by-week, consider using a weekly menu planning theme.  I have provided some examples below, but you can create any kind of theme you desire, from dinners based on a specific meat (chicken night) to dinners based on who chooses what will be made for dinner (kids’ choice) to other unusual themes (breakfast for dinner night):
    • Soup Sunday
    • Mexican food Monday
    • Meatless Monday
    • Taco Tuesday
    • Slow cooker Wednesday (I would suggest using your slow cooker when you know you won’t have a lot of time to create something from scratch.  For example, I use my slow cooker on Wednesdays because I volunteer at AWANA on those nights.)
    • Pizza Friday (We make our own homemade pizza using dough created in our breadmaker.)
    • Grill night (We grill on Saturday nights when we have more time to fire up our grill and are more likely to go out if we don’t have an enticing meal on tap.)
  • I always suggest keeping certain convenience foods on tap just in case you’re just too tired to cook a full meal or you get home late from work or soccer practice.  For quite some time, we kept pizzas in the freezer for this purpose.  Now we have a few quick, easy, go-to meals:
    • We currently have multiple sets of homemade beef-and-bacon burger patties stored in the freezer for quick defrosting and grilling or broiling.
    • We also keep plenty of spaghetti, frozen chopped veggies (I buy onions and peppers when they are on sale and wash and chop them before storing them in the freezer), frozen chopped cooked chicken, and soy and Ponzu sauce on hand for making a quick stir-fry.
    • Finally, we keep browned beef in the freezer for quick pots of spaghetti or stroganoff.
  • I print our menu plan weekly and keep it for a month or so in my home management binder so that I know what meals I’m making too often–and what my family will tire of.  But I do have a wooden menu plan on my refrigerator as well.  You could print your menu plan each week and place it on your refrigerator and then transfer it to your binder at the end of the week.  Do what works for you.

Got it?  The process is simple enough, right?  And if you menu plan consistently, you’ll save yourself some stress, time, and money!

Inquiring minds want to know:  What are your go-to meals?  Do you have any exciting and fun menu planning themes I haven’t mentioned above?  Leave me a note in the comments!

Warmly,

Simplify. Declutter. Organize. ~ Make life simple again.

P.S.  If you arrived to my blog on this page and haven’t visited my other pages about setting up a home management binder, click here to find out how a home management binder, complete with a calendar, a to do list, the menu plan on this page, and a shopping list, can help simplify your life!

How to simplify, declutter, and organize your life

Who am I?

Hi, I’m Bridget!  I’m a Sheldon Cooper-esque perfectionist and amateur organizer.  I have organized several law offices and more than a few classrooms during my work life.  My home life was well organized until my brilliant-but-disorganized husband took over home management responsibilities during a particularly difficult period of our lives.  I took special note of the steps of getting our home simplified, decluttered, and organized in the year after I resumed my role as our home’s caretaker.

This is not my first blog.  I’ve had a few home management blogs that I published mainly for myself and my friends and family.  Most recently, I had (have) an organizing blog named Shabby Mae; in fact, I will slowly re-write and transfer the simplifying, decluttering, and organizing posts from there to this blog.  But I decided to rebrand with the goal to reach and help as many people as possible.

Continue reading “How to simplify, declutter, and organize your life”