Tag Archives: Delancey Dream Home

One Week Away

OMG! We are one week away from closing! Just 7 whole days until we sign our lives away for the next 30 years (our goal is to pay it off sooner, but we’ll work on that later). My anxiety about large purchases is kicking in. Anytime I’m faced with making a purchase over $2,000 I get a little anxious and then my stomach ends up in knots. Considering this is a purchase that totals up to way more than $2,000  I am really at a place where I constantly feel stressed, sick, anxious, etc. I’m ready for this to be over, so I can start feeling better. We’ve been on this roller coaster ride since March 11.

Since March 11th, we’ve had a ton of stress from the crap with Navy Federal, then having to switch banks on May 2nd. In 3 weeks, we’ve gotten everything done and ready for closing. We’re just one week away and yet it feels like an eternity.

I’m ready to be moving to Loudoun County. It’s probably one of the more expensive areas that we could have lived in, but it’s a good place for our kids to grow up. The schools are great. But property taxes are outrageous.

I’m waiting for the bank to update the loan tracker, so I can see what point we’re at in the game. We’ve got an estimated cost of $1,600 that will be needed for closing. So we’ll need to get a Cashier’s Check before we meet up for closing.

There are no words for how excited I really am about being a homeowner by this time next week. There are so many things that need to be done. I need to find the number for the electric company so we can start service in our names, then we need to get cable setup, and I need to get a flooring company out to give us a quote for hardwood floors in the basement. I don’t want carpet, so I need to get rid of it ASAP!

There are so many feelings running around in my head that I can’t even think straight. I’m just ready. Ready for things to get back to normal. Well, our new normal. I know that shortly after we get the house, Kevin will be traveling for work. So I’ll be home caring for the kiddos, getting them enrolled in their new schools, etc.

Well, this will most likely be the last post I make until we’ve gotten settled into the house and have internet.

Wish us luck with traveling with our 5 kids. Nothing can prepare you for such a stressful thing like that.




OMG! We’re closing on our FIRST house together in 15 days! I cannot believe that I will be a homeowner in just over 2 weeks!

A lot has happened in the last few weeks and it has been smooth sailing towards our closing date now that we’re no longer working with Navy Federal Credit Union. I wish we could just close out ALL of our accounts, but that would just be stupid on our behalf. We have too many accounts that are linked to those cards, that I just don’t see the point in disrupting everything just because we’ve had one bad experience with our bank. But I’m glad we dodged the bullet with them as far as our mortgage goes.

Our house sorta “failed” the VA Appraisal portion. Basically, the VA sends out a licensed appraiser to make sure the house is in livable conditions. They don’t want active duty service members or veterans to purchase a home that needs extensive repairs that would overwhelm  them financially. So it’s really just a way to make sure that a service member or veteran doesn’t over extend themselves financially trying to fix a home and then default on their home, causing it to go into foreclosure.

So our house needs to have some minor repairs done in order for them to come out and “re-inspect” the things that failed the first time. Basically, they just wanted to make an extra $100 off the deal. But it’s whatever!

So our agent set us up with one of her licensed handyman connections in the area and he’s heading out to the house to fix the two faucets, make sure the automatic garage door opener works, and to paint our front steps! Another $450 that we’ve put into our home, not including the re-inspection fee of $100. I kid you not, we’ve put out $400 for a broken window (that alone would have failed our home for the VA appraisal), we put out $460 for a home inspection, $450 for the original appraisal fee. We’ve spent $1,900 in like 2 weeks time!!! UGH! That’s not including the $500 “good faith deposit” that you put down when you put in a contract on a home! Thankfully we still have plenty of money in savings to cover the 1/4 point for our 3.375% interest rate, plus the other closing costs.

The expenses of purchasing a home are freakin’ NUTS! Which I already knew that there were a lot of things involved, I’ve done extensive research over the last 2 years. During that time frame, we were working on paying off debts and making sure our credit scores were the highest we could get them before we ever applied for our mortgage loan. We wanted to get the best rate possible without putting out money for points. Obviously, we have REALLY GOOD/EXCEPTIONAL credit in order to get a 3.375% interest rate from the bank. If you are in the process of buying a home or are planning on it in the near future, make sure you shop around for the best rate. Check out your bank’s website. See what the lowest interest rate is BEFORE you apply. Make sure you know what your credit looks like. At the time, when we got pre-approved via Navy Federal the lowest rate was a 3.375%, when we had to get a pre-approved via Wells Fargo the lowest rate was 3.5%, a bank can automatically lower it 1/8th of a point without needing approval from a supervisor, so that’s what our loan specialist did. Since I really wanted that 3.375% rate, I agreed to pay $250 at closing (points are prepaid interest on a loan). Granted it was only $13 a month difference in our monthly payment, but it would have cost us more in the long run to have a 3.5% interest rate over the life of our loan! I’ll gladly pay the $250 in order to save THOUSANDS over the life of our loan.

Being that we are so close to closing, my anxiety is overwhelming. Like part of me is nervous about having another bill to pay. Well 3 or 4 more bills to pay each month…Mortgage, Electricity, Cable, etc. We still pay for the Maryland house, haven’t seen a dime from my in-laws in almost 3 months and before that it was like 4 or 5 months! They are so inconsistent and NEVER make a full “rent” payment so we can stop covering the mortgage payment on that damn house! But oh well, we’ve got a bank who sees that we’re on the up and up and that we can support our household even with two mortgage payments!

I’m so ready for closing day, ready to finally be able to plant roots and watch our children grow! We’re counting down the days to closing!!!! FIFTEEN DAYS!

I’ve started packing and purging the things we do not need anymore. Going to sell a few things, so we don’t have to drag them with us. EEEKKK… I’m so excited that this journey is finally changing chapters. We’re on to bigger and better things, one day at a time!


Well I’m off to fix my two little loves and myself some lunch!



Remaining Stagnant

For the last 2 years, I have been in this funk or a rut. I feel like I am remaining stagnant. The longer I am here, the more I feel like I am unable to get out of this funk. I feel alone here. I feel tired. I just don’t feel myself. By remaining stagnant, I am not helping my children. I’m tired of submitting to this awful feeling.

So what does remaining stagnant have to do with anything? Well, I’m currently conditioning my mind to start over with our move, our new house, and all the space we’ll have available to us.

I’m really looking forward to being in Loudoun County. The schools in our area have great ratings. So I’m looking forward to them getting settled in and growing roots for the first real time in their lives. We know our house isn’t our dream home, so this is just a starter home. We plan on being there for about 10 to 12 years, while paying off the house. Once we’ve paid it off, we can use it for rental income and we can then move forward to buying our dream home (even if that means that we have to have one built for us).

I’m already trying really hard to eat better, but that really isn’t going to do much for me if I’m not active. Being here has ruined any kind of motivation I’ve had to lose weight, to better myself as an individual, etc. So I’m ready to get moving and get this show on the road. For the sake of my children I need to get back to the old me. I cannot keep on this path of remaining stagnant, my kids deserve the best.

By starting fresh in a new place, I’ve got to explore. I’ll be setting up a small home gym in the garage. Treadmill, punching bag, weight bench, free-weights, etc. All of which I have either in storage or my brother has offered to me since he is not using them anymore. So I have no reason not to workout once we move and I set everything up. I just will have to get up at 4am with Kevin. I’ll be working out and he’ll be getting ready for work.  I’ll be able to take my laptop out to the garage for some music and/or to use for BeachBody Workouts Videos.

I’ll also be spending more time doing things other than sitting on my butt. I have to be more active if I wish to lose weight and keep it off. I have to eat healthier and actually stop skipping meals. So I’ve already got containers for meal prepping, I have two digital kitchen scales to weigh my proteins for breakfast, lunch and/or dinner. I have a Ninja Blender to make shakes. I’m doing everything I can to set myself up for success from the get go. We just have to get into our new home. If I start out on the right foot, then I think I’ll be able to keep myself on track.

We’re going to cut back on eating out (me not wanting to cook, so I order pizza) and also cut way back on my soda consumption. I’m also going to start buying a massive amount of fresh veggies and shrimp, so I can steam them daily for my lunches and dinners. Basically, I’m doing everything I can to keep myself motivated and preparing for the changes ahead.

There will be no option for me to allow myself the opportunity to continue to remain stagnant. I am moving away from this place and cannot wait to reunite with our family. We’re moving on to bigger and better things. I’m moving on to a better and healthier me! I just have to survive the next few weeks of “torture” and then we should be smooth sailing.

I know that there will be a time where I post a “before & after” photo. But I will probably also post during photos! But only time will tell. At this time, I cannot make any promises, as I don’t want to let anyone down.



Waiting Game Again

Are we really playing this waiting game again? I think so… UGH! I’ve never bought a house before and we’ve never gotten this far into the home buying process in the last 2 years. Mostly because Kevin didn’t make a sizeable enough income to support two mortgages. Now that Kevin does make enough income; without using his overtime or per diem, I’ve been able to really get some insight that I didn’t have when we tried to start this journey.

Once we realized that Navy Federal Credit Union was unable to get their figures correct, provide us with the proper information or get the information I had given them correct that we would be using another bank. So we decided on Wells Fargo. Our buyer’s agent hooked us up with her mom, who just so happens to be a mortgage consultant at Wells Fargo. So We’ve been getting great service from Wells Fargo. I truly can’t say good enough things about Wells Fargo and our mortgage consultant.

This waiting game again, is really getting on my nerves. Right now we’re waiting on the VA Appraisal. Once that is submitted, as far as I know the underwriting department looks it over and decides if the house is worth what we’re paying for it, if not then we’ve got to start over and we’ve already put about $1,300 into this process already. Fees that we don’t get back if our contract goes to shit!

Right now, we’re on business day 8 out of 10. So hopefully by Monday the VA Appraiser has done their job and writes up their report and submits it to our bank before the close of business on May 20, 2016. With a VA loan there are certain stipulations, for example ALL of our documents have to be in our file for 14 business days before we can go to closing. That means all the inspections (pest/termite, water test, VA appraisal) and all of our income related documents, our bank statements, etc. I honestly think that the process may have been easier if we hadn’t used Kevin’s VA loan. But then we would have need at least 3.5% down for a down payment. Which right now, just wasn’t possible for us, so we just went with the option that was best suitable for our family and our financial situation.

I will say that it hasn’t been a horrible process now that we’ve chosen the proper bank for us. Right now, we have our conditional approval. Just waiting on the paperwork from the appraisal to be uploaded and then play another portion of the waiting game again!

It’s a rough spot to be in, mostly because we’ll be leaving for the East Coast shortly before closing and with either stay with my sister or just go visit friends in Virginia that are still active duty. Until we close we’ll be in limbo. So we’re really trying to wait until the last minute to leave here and head to the Maryland/Virginia area.

Man, I still think about all the times I said I hated the Virginia area and how much I wanted to be back in Maryland. I guess I felt so isolated from the “real world” when we lived on base. But now, I’m chomping at the bit to move back. I can’t wait. We’ll be close enough to visit family again. I’m dying for the family interaction again.

Well I’m headed out the door to go get some milk. I forgot to buy some yesterday while I was grocery shopping. I was so focused on getting out of the store without wanting to rip my hair out. If anyone has young children, they you understand my dilemma when it comes to shopping with them. Their hands are always touching things, they want to whine and cry, ask for things I haven’t paid for yet, etc. So I rushed and missed a few things I needed.

In the meantime, wish us luck and that this appraisal process is quick and painless.




Changing Mortgage Lenders

So last week we had to change mortgage lenders. Our original choice for our mortgage loan was Navy Federal Credit Union. But that didn’t last long! We had the worst experience with them, that I’ll explain in this post. So at the last minute, we had to change lenders and decided to go with Wells Fargo. Changing mortgage lenders is not something we had planned on doing, but it has all worked out well.

Talk about stressful and a huge fiasco. We started our loan process with Navy Fed on March 11th, 2016. It took more than 3 business days for them to assign us a loan officer and then 2 more business days to even contact us. Our original loan officer was extremely rude, she basically told me that my husband doesn’t make enough money and that we needed to sell his Maryland property (like we haven’t already tried). She didn’t want to run the numbers, she didn’t want to listen to a single thing I was saying. She was basically not interested in helping us. So I called back and had them change our loan officer. That took another 2 to 3 business days! Finally, a supervisor called me to talk about it. She gave me two options one without income from the Maryland Property and one with income from the Maryland Property. We took the easier option and decided to go without including income from the Maryland Property. So the supervisor offered us a specific amount at a rate of 3.375%. The next day the new loan officer calls me and tells me she has no idea what the supervisor did but they can’t offer us the amount that was told to me the day before. Nothing had changed, except we had paid off at least another credit card! So that should have been a good thing. But oh well…

Last Sunday, I got a phone call from our loan officer at Navy Fed, telling me that they had some questions about out file. They had things so backwards, had Kevin’s income wrong, etc. I totally lost faith in them to get things right. This is a HUGE purchase and I wasn’t about to let the stupidity of others ruin our chances of purchasing our 1st home together.

So I emailed our agent and asked what I should do… She immediately called me and said well my mom is a loan officer at Wells Fargo and has been for 13 years. My agent called her mom and gave her the details and her mom called me. We were on the phone for almost 2 hours on Monday afternoon. By Monday night, she had submitted our application and ordered our VA Appraisal. In less than 8 hours I had gotten the pre-approval, had our loan submitted for approval and ordered our VA inspection. Navy Federal was dragging their feet. We were coming up on two months of waiting. We already had everything else we needed like the ratified contract, etc.

I can’t say enough good things about the process and customer service with Wells Fargo’s Mortgage Department. It has been AMAZING, to say the least! I just can’t believe how user-friendly it is. Almost all of our documents have been signed electronically. Which is nice. I didn’t have to worry about printing, scanning and waiting for Kevin to sign them and send them back to me. It was SO EASY!

I also love how Wells Fargo has something called “yourLoanTracker”. It basically, shows you what needs to be done, what’s done/approved, etc. It allows you to easily track the process of your application and has all the information for Closing (once it’s been scheduled), etc.

Loan Tracker1

Complete Your Application- This section was for where you upload all your documents and then they approve or deny the files in which you upload to their system.

This is what our loan tracker looks like… Yes, these are screen shots of our actual loan tracker.

Loan Tracker2

Subcategories of Complete Your Application.

Loan Tracker3

Financial & Property Review and Subcategories

Loan Tracker4

Prepare to Close with subcategories

Loan Tracker5

At Closing and subcategories

Loan Tracker6

Manage Your Account and Subcategories

I just love how easy it is to glance at the website and see what needs to be done and what has been done already. By far this is the best way to keep a client/customer in the loop without them having to be up their loan officers butt!

If I log on to the site with my cellphone vs a computer, the phone will give me an exact percentage of how complete our loan process is. Right now we’re sitting at 20% for our entire loan process according to the mobile site.
2016-05-06 14.42.09It’s hard to believe that a company has made the mortgage process so dang easy! I’m absolutely amazed at how easily the Wells Fargo process has gone. From here on out I will recommend Wells Fargo’s Mortgage Department and I’ll be more than happy to refer others to our specific loan officer. She has been the best in this entire process. She’s turned our stressful situation into something easy and smooth.

Well I have a few things I need to do today like laundry and dishes (like always).

I hope everyone has a great weekend and Happy Mother’s Day to all you moms out there!

Make sure you follow our social media accounts to get the latest updates as I have them.


Moving Forward & Letting Go

This post is going to be a little personal today. Today we’re moving forward & letting go.
We’re headed on to the next step in our loan process. If you’ve ever had the opportunity to use a VA Mortgage loan, it’s not always an easy, quick, or pleasant process. The VA is 30-45 days behind on all their stuff. They’re overworked and understaffed, so it is taking a little bit of time to get to everyone’s requests and paperwork. So we’re right on track to close when we had originally planned! YES!

Right now our realtor has hooked us up with a great Home Inspector who can do the entire thing. Pest Inspection, Termite Inspection, etc. So we’re scheduling him to go out to the house as soon as possible. Then we have to get a VA Home Inspector to come out to the house to do the appraisal process. Then once all the paperwork is in our file, we can go to closing!!!! We’re so close! Just gotta make sure that everything with our actual home inspection goes to plan. Keeping our fingers crossed that there are no structural damages or anything that would cause us to back out of our contract.

The Coupon Clippers

While this house gets us into our own home, it is not in anyway shape or form our dream home. We’re going to pay off this home as quickly as we can so we can use the property as rental income in the future and have a home built for ourselves. This is our starter home! Being that we can realistically pay the home off within 10 years (we’re getting a really great deal), we know that we’re not stuck with this home for longer than we want to be in it!

So now that our house process is moving forward, we can start letting go. Letting go of things from our past. We’re going to downsize our possessions and make sure our home is only full of things that bring us happiness and joy. There’s no point in having things in our new home that drag us down. So out with the old and in with the new. Obviously, this will take time.

I’m really looking forward to being less scatterbrained all the time. I always felt more on top of my game, when we lived in Virginia. My brain just functioned so much better in my own home, even though I had a million and one different things that needed to be done every single day. We’re really ready to get back to our normal life with each other. We have a lot of time away from each other and Kevin’s been living in a hotel pretty much since he started this job in November. Granted, Kevin will still have to travel for his job, but 50% of the time he will be home at night with his family where he belongs!

I’m so ready for our lives to become normal again. I’m so ready to be able to catch up with old friends and actually be able to host holidays and parties. Plus once we move into our home I call the shots. I can make all the YouTube videos I want. I’m really looking forward to being able to post videos again. Lots of DIY videos to be done, ha ha ha. I’ve got so many ideas floating around my head that I just can’t think straight. I’m so ready for this house to be OURS!

So from here on out we’re moving forward & letting go!
I’ll be crossing my fingers for a good outcome to our home inspection and once that’s done if all went well, we move on to the VA Home Appraisal.  Keep checking back for updates as we have them!

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How to Make 13 Mortgage Payments in 12 Months

Have you ever wondered how you can easily take off years worth of payments and  save money on your mortgage? This method will save you thousands of dollars on interest payments. Well, today I’m going to tell you how to make 13 mortgage payments in 12 months.

Let’s use an even figure for a mortgage amount (this is not the cost of the house we have a contract on) so let’s go with $200,000 and I’ll use our interest rate of 3.375% (no points). I’m using a mortgage amortization calculator; here!

$200,000 for the price of the house over 30 years at 3.375% interest will cost roughly $118,309.28 just for the interest. So a grand total of $318,309.28 over 30 years!

So here’s how to make 13 mortgage payments in 12 months…

If the total cost of the mortgage loan was for $200,000 our mortgage payment would be around $885 (not including escrow; i.e. taxes and insurance). So take $885 and divide it by 12, which would equal out to be $73.75.  Now that you have the figure of $73.75 add that to your $885 and you’ll get $958.75.

By paying an extra $73.75 a month on your mortgage payment each month for the life of your loan will save you $16,527.18 and will shorten the life of your loan by 3 years and 8 months! And if you think about how much you’ll have after you’ve paid off your mortgage… in that 3 years and 8 months that you would have been paying your mortgage, you’ll be able to take that money and save it. That same $958.75 multiplied by 44 months would equal out to be $42,185 (that’s not including any interest earned if you put it in a high-yield savings account). That’s MORE than half the cost of a brand new Chevrolet Suburban!!!

Wouldn’t it be nice to be mortgage free? Our goal is to pay off our mortgage in less than 10 years. Do you think we can do it? I know we can. Just keep reading and see how long it takes us to pay off our mortgage. We’re really hoping that we’ll be in our house come Mid-June. But only time will tell; at this point.

My next post will be about finding extra money to put towards your mortgage payments. So make sure you check back in a few days!

Make sure you follow us on our social media accounts, as I’ll be posting updates on Instagram and Twitter as we have them!


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Planning for the Future

If you haven’t guessed it already, I’m into planning. I try and plan everything. I like concrete plans and details. It is just who I am. I used to be more go with the flow but having 5 kids really had gotten me to work towards a schedule, that way everyone gets to do things that they want to do. So I’m planning for the future, the near future.

I have spent the better half of 3 years fighting an uphill battle with my weight. Since I had Zachary in June of 2012, I have struggled to drop the excess weight I gained in 2011-2012. After having Ryleigh, I lost all of my pregnancy weight in 3 weeks! BUT I gained some of it back after moving. The stress really got to me, I couldn’t find the time to workout regularly. I always had an excuse. I’m tired of the excuses when it comes to my health. So I’m planning for the future, my future.

I have several goals that I want to achieve, but first and foremost, I want to be healthy for the sake of my children. I want to be more active with them. Airsoft wars with the little boy who gave me so much strength and taught me so much in the last 12 years. Gymnastics practice with my 1st daughter, the one I so hoped would be a little boy because I wasn’t ready to raise a daughter. I thought I’d somehow fail her as a mother because I grew up a tomboy. Dance classes with my spunky little spudlet. T-ball with my terror and tumbling with my littlest love. I want so bad to be able to keep up with them, but my body is telling me otherwise.

I need to get my physical health back on track, so I can be a more active part in their lives. No more excuses. The only thing that’s holding me back right now… is space.

So I’m planning for the future… making my plans, getting all my supplies, getting all my thoughts together and slowly working towards the day that I can start working out. My plans are to start working out within the first month after we move into our home. I like to start things on the 1st of a month, so if we move in as soon as we close then I’ll be starting on July 1st. If not, we’ll I start on the 1st day of the following month.

I’m ordering meal prep containers. I’m one of those people who will fix food for her kids and then not feed herself. So my goal is to prep my meals and snacs each morning while I’m dealing with the kids breakfast and school lunches (during the school year). I’m going to keep track of my eating, my exercise, my water intake (which is something I struggle with), and pretty much everything possible. I’d like to do videos for my Vlog channel, but we’ll have to see how that goes. I’m currently not recording any videos because I’m still searching for the software that I had on my desktop when it crashed. I had the disks somewhere, I just need to locate them.

If I want to get anywhere in my life and be a positive example for my children, I need to stop putting things off. I need to stop feeling sorry for myself and my weight gain. I need to get off my ass and do something about it. Stop looking for quick fixes and just do the work… the hard work. It will all pay off in the end.

I need to stop stuffing my face with food that has very little nutritional value and actually eating clean. No more fast food, no more sodas (okay, okay… just once in a while I’ll drink a soda). I need to cut out the excess sugar and calories. I need to stop sitting on my ass all day and thinking it’s just going to disappear without me doing anything. Okay, so I really don’t think it’s going to disappear without me doing anything… in case you were wondering. I actually understand why I’m not losing weight. It’s because I’m stuck in the same rut, I’ve been in for almost 2 full years. I’m not sure if it’s untreated post-partum depression but somedays I don’t even want to get out of bed. Every day can be a struggle, but I want to change that. I want to move forward with my life. I want to be healthy, physically and mentally.

With the house we’re buying, I’ll be able to put the treadmill in the family room. So I can keep an eye on the littlest two while I workout. I also plan on using T25 since I already have it and once I’ve completed T25 at least once (maybe twice) then I’ll move on to Insanity.

I plan on investing in an Obsidian slideboard because it’s easy on the knee joints. My knees are really weak, so I’m hoping to work on strengthing my joints while losing weight. I also want to get Kangoo Jumps. I know… I know. Crazy fad toys to play with. But if it makes “exercising” fun, then I won’t realize just how much I’m working out and want to keep doing it. That makes it so much easier on me. I hate when working out feels like a chore. So if it’s fun, I’m in!

I’d also like to see about getting 22 Minute Hard Corps and Hammer and Chisel from BeachBody. Not all workouts are going to be fun or even easy. But these two will help me tone and gain muscle. I can’t do them all at once, but I think it would be nice to rotate between these two programs on a weekly basis.

I cannot give up this time. I know how I am. If I don’t see results pretty much immediately, then I give up. In my head, I know I shouldn’t give up when I don’t see results, but I just cannot help it. It’s frustrating, to say the least. I never really had a problem with my weight as an adult. In my mid-teen years, I took Kung fu classes with my brother, I walked to work before I got my license, I was really active. I went from weighing 178lbs in 2000 to weighing 130 lbs in 2001. At that time, I felt good in my own skin. Now… not so much! But after having 5 kids, I’m going to have loose skin… I’ll just have to get a tummy tuck when I drop all my excess weight and have kept it off for at least a year. Maybe that will be my 35th birthday present to myself (I better start saving now). I’m petrified of surgery and recovery, so I’m hoping that I can avoid surgery at all costs.

Because I am so impatient, I’m ready to move. I’m ready to start working out again. I’m ready to see some results on the scale and in the way my clothes fit. I’m not just about a # on the scale. But I do have an actual goal set for my weight. I also have a size goal set. That way, I’m not bound to either one of them. I just want to reach one of them. Whichever happens first.

I’m really looking forward to what’s in store for me, as I lose this excess weight. I’m looking forward to feeling happy with my physical appearance and the growth of my physical strength. Nothing but myself is stopping me from reaching my goals. I’m going to keep on planning for the future and my success.

Do you have any goals regarding your health or wellbeing? If so, leave me a comment below. I’d love to know that I’m not alone in my quest for better health.

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Meal Planning

Since we put in the contract on the house in March, I have been trying to figure out more ways to save even more money. Meal planning? Is it the key to saving extra money? That I’m not so sure yet. I will have to figure out what stores are in the area, figure out when their sales run for specific items and plan from there.

I already planned on stepping up my “coupon game”, not because we can’t afford to buy our groceries… but so we can put the money away for other things or pay off our debts. I think meal planning will be the key to not eating out as much as we have in the past.

With 5 kids, Kevin and I, our grocery budget will be between $400 – $600. Which is around what it is now. I personally would like to see our budget for groceries be around $300-$400 while using coupons and meal planning. If I can really make 20 dinners for around $120, then I’ll be able to feed our family for well under $400 a month. Now I know I’ll still need to buy things like cereal, milk, eggs, bread, flour, sugar, etc more often as I use them regularly. But if I can cut the bulk of the cost of our dinner meals down to $6 then I could do an entire month’s worth of dinners for about $180.

To me, there is nothing more rewarding than feeding my family a healthy home cooked meal, while saving money that we can use for other things that our family needs/wants.

Who would like to see meal planning posts in the future? I’m thinking a 30-day dinner crockpot meal plan. When we move into our home this summer we’re going to have to start all over as far as food things go. So when I go to the store, I plan on doing the bulk of the shopping at once. Mostly because I don’t know when Kevin will be home to either watch the kids or help me do the grocery shopping. So I want to get it all done as soon as possible and then go from there.

So is freezer/crockpot meal plans something that others would be interested in?

Leave a comment below and I’ll see what I can do once we get into the house this summer. Maybe I’ll even put together a Crockpot Freezer Meal Cookbook with all of our families favorite meals for those on a budget.

Well, I’m off to run some errands now that I’ve gotten the little ones off to school.

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Delancey Dream Home Setting Goals

Beg Borrow and Save Wedding Edition

So after weeks of putting together my first book, “Beg, Borrow & Save: Wedding Edition”… It is finally up for sale on Kindle Direct Publishing.

I have never been more excited about anything than I am right now! The last 5 days took a toll on me while I was waiting for my book cover to be created by another artist. I will be writing a post on how I completed this book and how I found an artist to create the cover of my e-book.

The book is currently priced at $2.99 but in the very near future there will be a sale. It will be FREE for only 5 days from May 6th- May 10th! In honor of my oldest brother’s wedding, Mother’s Day & my 31st birthday.

I really enjoyed the process of writing this book and have put some of my best tips/tricks in it and hope that it will help others have the wedding of their dreams, even on a budget.

I’m getting ready to start working on my 2nd E-book which I hope to publish on May 9th. There has been something very rewarding in writing an ebook that I can self-publish via Kindle Direct Publishing.

Do you know anyone that is getting married in the near future? Maybe you should send them a link to the book. It’s affordable and informative. It’s witty and has some great out-of-the-box tips and tricks to save money while planning your dream wedding.

Well I’ve got some sick little ones at home today, so I figured that I’d just drop in and give all my wonderful readers the link to my book.

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