Showing posts with label working expenses. Show all posts
Showing posts with label working expenses. Show all posts

Sunday, October 14, 2007

The No Excuses Take Your Lunch To Work Entry!

Packing a lunch can save a family a nice chunk of change over time, yet I hear more "There's no way I could do that!" on this subject than I do on nearly every subject. Taking a lunch does take a little time, but the savings are astronomical over time.

Here's some of the common things I hear when people say that they can't pack a lunch:

I don't have time in the mornings!

Neither do it. I would never pack a lunch if I had to do it in the morning. I pack my lunch in the evenings, when we're cleaning up from dinner. Since my husband and I almost always take dinner leftovers, we just pack up individual servings as we're cleaning up the kitchen. I keep around quick to grab stuff (bought on super sale, of course!) We often take fruit snacks, dried fruit, crackers, yogurt, cheese sticks, real fruit, and cut up veggies as sides. Since we both like water and our offices provide cups, we just drink water at work for lunch. If you drink soda or juice, it is much less expensive to buy it at the store than it is to get out of the vending machine.

I don't have a microwave or fridge!

That's unfortunate, but you can still take wonderful meals! Sandwiches are quick and easy. If you hate soggy sandwiches, then pack each individual ingredient separately and assemble at lunch time. Salad are a healthy lunch that do not require microwaving. There are even some cold soups that would be a refreshing lunchtime treat. My favorite quiche tastes wonderful at room temperature.

I see those cold packs that you can stick in the freezer at yard sales quite often, but you don't even need those. A reusable water bottle filled most of the way up and frozen makes a good ice pack, and as a bonus you have cold water to drink with your lunch. I've heard of people doing this with juice boxes as well.


My job requires me to drive and I eat in the car between clients.

I've been there. I once had a job as a maid with one of those services. They did not really have a concept of such wonders of the words "lunch break." They considered the time we spent driving between houses as our break, so I had to pack something that would survive in a hot car that I could eat while driving.We were not allowed to do crazy things like get a drink of water while at the client's house, so I left my house every day with the following: Several large bottles of water, most of them still frozen from the freezer, an igloo cooler type lunch box, and assorted food cut into bite sized pieces. The frozen water would act as my fridge and as my hydration since cleaning was VERY hard work. I would make things like PBJ and cut the sandwich into four triangles, cut apples into bite sized pieces, cut up cubes of cheese- all easy to eat while driving, and to eat in bits and pieces during the day. Most of my coworkers did not bring lunch. We'd pop in at a drive through, or stop briefly at a gas station. My lunch was much cheaper than that , for sure.

When I was in grad school, I had a microwave but often had a schedule that did not allow for a leisurely lunch. One semester I had to eat while walking between classes- not fun! Again, the solution was bite sized pieces of stuff. Those sippy cup soups were pretty nice too.

I have to eat lunch out everyday so I can network and get ahead in my carer!

Okay. But does it have to be everyday? Our roommate was doing this and going slowly broke, so now he does it on Wednesdays. He and several of his work friends call it the Wednesday Lunch Club and take turns trying to find an interesting hole in the wall restaurant to eat at. I thought that was an interesting solution. If you truly have one of those high power super jobs, could you eat snacks at your desk and have a very light lunch out, like soup or a salad?

I just don't like to pack a lunch.

There are days when I don't like to pack a lunch either. When this happens, I pull out a trusty frozen meal, like Lean Cuisine or Healthy Choice frozen meals. (My husband calls these "Lady Lunchables.") I used to not do this because the meals were expensive and I try to avoid processed food. However, it is much easier, cheaper, and healthier to do this than to hit up the Value Menu because I could not deal with packing a lunch. Even full price, these are often cheaper than fast food. If you watch for coupons and sales, you can get these for about a dollar each.

Taking a lunch does not have to be difficult or boring. It does take a bit of time and creativity, but the savings will almost certainly be worth it!


How Much It Cost Me to Work This Week

This week was better than last week.

Transportation: $15
Clothes: $0
Eating Out: About $7- I forgot my lunch on Thursday, and I have not restocked my desk goodies. Do'h!


Total This Week: $17
Total Since Starting: $260.90

Sunday, October 07, 2007

How Much It Cost Me To Work This Week

Clothes: $0. Doing good here!

Transportation: $20. This expense has raised for me.

Eating Out: $25. Wow. This has been a crazy week at work. The busy season is just starting, which means a pretty draining day followed by overtime. Of course, for some reason I did not make a menu last weekend, which pushed me over the edge. I had this hilarious idea that I could come home and plan dinner each night. HA! I would come home starving and cranky, stare at the frozen chicken in my freezer, and open a can of soup. Or head to Chipotle. Or pick up one of those chicken dinners at the supermarket. I knew that making a menu really helped us stay out of restaurants, and this week proved it.

Total This Week:
$45
Total Since Starting: $243.90

Sunday, September 16, 2007

How Much It Cost Me to Work This Week

...or rather, last week.

Clothes: $0. I've spent very little on clothes, thanks to the thrift store and E-bay.

Transportation: $10. This is an item that will be going up for me. My husband asked on Wednesday me to start driving, because I get home earlier when I drive. On Friday, it was announced that my bus route will no longer go by my workplace, due to some construction issues. Isn't it funny how things work like that sometimes? I will use the remainder of my prepaid pass getting around town for other things. Gas will cost more than the bus, but not much. I'm more worried about wear and tear on my held together by duct tape and prayer car, but I have faith that it will all work out.


Eating Out: $0. Taking Crystal's Supermarket 101 Course has been very encouraging, and has helped to keep menu planning and thinking ahead. (You can still take it- I still think it's a great deal at $17.97!)

Work Parties: $3.50 We had a food day at work, so I bought some extra stuff to bring. I made a fruit salad.

Total This Week: $18.50
Total Since Starting: $198.90

Thursday, August 30, 2007

How Much It Cost Me To Work This Week

This week was kind of expensive- I finally found a pair of comfortable dress shoes that were not heeled and go with just about everything I own. I've worn them all week, and I think it was money well spent! I also had to buy a new bus pass, but that's something I'll be doing every two weeks or so anyway.

Work Clothes: $48.23

Transportation: $24

Eating Out: $5- We went to Little Caesars to get a five dollar pizza, and used a buy one get one free coupon. We ate it for dinner, breakfast and lunch the next day, and we still have some left. I love Little Caesars!

Total This Week: $77.23 (eep!)

Total Since Starting: 180.40

Friday, August 24, 2007

Frugal Friday: Keep Snacks in Your Desk At Work


If you work outside the home, keep some snacks on hand at work! I have several things in my desk drawer- a few instant oatmeal packs, a couple of soup at hands, a few snack sized ziplock bags of almonds, and some microwave popcorn. (All purchased at rock bottom prices, of course!) Be sure to keep a spoon and fork, and a reusable bowl for the soup if your office does not provide these things.

My office provides coffee, tea, and hot chocolate, but if your office does not, keep some of these favorite things in your desk drawer. It keeps me out of the vending machine on those days when I really am hungry and could use a snack. It also keeps me from cracking and eating out for dinner- a well timed afternoon snack means I'm not too hungry to think when I leave for the day. I'm much less likely to give into temptation and pull up to the drive through on my way home. It's also usually much healthier. If I buy something from a vending machine, it usually ends up being either chips or something chocolate. And it's handy if you wake up too late for breakfast or forget your lunch. Some popcorn and canned soup can be a lunch if you need it to be.

Go here for more Frugal Friday ideas!

Thursday, August 16, 2007

How Much It Cost Me To Work This Week

Work Clothes: $0

Transportation: $0- the bus pass I bought last week is still good.

Eating Out: $0

We've done well this week on the eating out issue! I figured that would be the hardest part (expense wise) so I'm pleased to say I stuck to the menu this week. :)

Total This Week: $0

Total Since Starting: $103.17

Not bad at all!

Friday, August 10, 2007

How Much It Cost Me To Work This Week

Work Clothes: $0. I would like a few more dressy tops, but I have enough that I can spend time looking for bargains.

Transportation: $24. I bought a bus pass that will last me two weeks.

Eating Out: $16.17. We spent 13 dollars on dinner out. Also, on Tuesday, somebody stole my lunch! I bought a lunch from the lunch cart that day. Apparently, lunch theft is fairly common at this office, so I'm going to start keeping my lunch at my desk rather than in the group fridge.

Total This Week: $40.17

Total Since Starting: $103.17.



Wow! Over a hundred dollars, and I've only worked two weeks. That's still far less than I earn, but it is higher than I was expecting. We'll see what happens in the next few weeks!

Saturday, August 04, 2007

How Much It Cost Me To Work This Week

Well, other than being incredibly tired, this week went pretty well at work. My job is none too exciting (proofreading/editing tax forms- woot!) but it is nice to know how much this paycheck is going to pay off, so that we can someday even my husband can work part time if he wants. If we paid off our mortgage super early, that would grant us a lot of financial freedom. For now, the annoyance of working outside the home and paying off said home sooner is outweighing my desire to be back home. We've been reading Dave Ramsey a lot recently, and one of his solutions to get out of debt is to work a lot of overtime or take a second job. While out debt is not the "bad" consumer debt he is talking about, we still want it gone. I really don't like working outside the home, but I do want the mortgage and student debt gone, and if I worked, it would go away a lot faster. My dream job would be to work from home for a company while we paid off the loans, but I have no idea where to even start to get that.

This week was pretty expensive. I bought a pair of black work pants brand new. I have the hardest time ever finding black pants used. Either they don't fit or they're faded eight ways to Sunday. I have found them used before, but it is one of my hardest secondhand finds. The pants I bought at Old Navy cost 30 dollars. I also fell in love two work type shirts on sale for five dollars each at Kohl's, so that brings the clothes total this week to 40 dollars.

I took the bus all week. That is going to work out nicely, and will be less expensive and worrisome than driving across down in my iffy car. At 2.50 a day, this cost 12.50 for the five day week.

I forgot my lunch yesterday, and I don't yet have emergency lunches (aka: canned soup) in my desk yet. Opps, 5.50 down the drain!

Temp jobs in Wichita are not paid in any fabulous kind of way, but this week I still earned far more than I spent.

My working totals are currently:

Work Clothes: $42.50
Transportation: $15.00
Eating Out: $5.50

Total: $63

Friday, July 27, 2007

Occasional Series: How Much Is Working Outside The Home Costing Me? (Better Title in the works...)

Since I have not really worked outside the home beyond *extremely* part time in the past three years, I have decided to see how much money I really am going to earn. You see all those reports that outline the second income and how little money it is by the time you subtract extra clothes, car miles, daycare, etc. I've looked at those figures, and I am pretty sure I can do it cheaper, but I know it will cost me some to work. I don't really have much of a work wardrobe, an I've *blushes* lost some weight since I bought a few clothes to sub in, so I'm going to need to upgrade that a bit. Beyond that I think my biggest expense will be transportation. I do not have children, so daycare is not an issue.

Here are my current categories:

Work Clothes
Transportation
Eating Out*

I know that there will be more, but that's what I have off the top of my head. The eating out category is any extra meals we eat out because we're too tired to cook. I will not include meals we likely would have eaten out anyway- we tend to eat out about 3x a month, so that's a "normal" expense.

I plan to take the bus most days. It's not terribly expensive, and I'm not sure my car would make it across down daily for six month!

Can anybody tell me where you find those lovely bar graphs that so many bloggers have in their sidebars? I've looked but never found them.

So far I've spend 5.50 on my new job. I bought a new dress shirt for three dollars at a thrift store, and I spend 2.50 on bus fare to attend the orientation. Since I've not earned anything yet, that's a loss of -5.50!