Spending, Life, Income and Food Updates…

Hey everyone! I hope you all had a great weekend. We went to a bonfire on Saturday and had a pretty cheap, but still really fun weekend. Aren’t those the best? I didn’t do any of that work that I thought I was going to do (the work I brought from home). The weekend just…

Michelle Schroeder-Gardner

Last Updated: May 24, 2023

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Old picture of a waterfall near Atlanta

Hey everyone! I hope you all had a great weekend.

We went to a bonfire on Saturday and had a pretty cheap, but still really fun weekend. Aren’t those the best?

I didn’t do any of that work that I thought I was going to do (the work I brought from home). The weekend just seem oo fly by so fast and I didn’t find time to do any of it. Oh well.

My updates:

Spending: We did some shopping last week But nothing that will kill us. Our goal right now is to not make any extra purchases that we think we don’t need. Of course “need” is something that can mean anything, but we want to really think about what we need and don’t so that we can save up more money for the holidays.

Extra Monthly Income (this is on top of my salary from my job): Extra income was great again this week. Made around $800 last week. I’m starting to wonder when this will settle down, or what will end up happening (such as if my extra income just completely falls off the face of the earth).

My goal now is to start throwing almost all of this extra income towards my student loans so that I can pay them off even quicker.

Food: We’ve been doing much better with this! I think we only ate out two times this whole week. Yes, this is an achievement for us. We plan on only eating out once this week.

And we’re good with groceries this week, we definitely don’t need to buy any new food. We spent around $100 on groceries last week and around $50 on eating out. Since we don’t need any extra food this week, and our goal is to only out once this week, we’ll be at around $175 for two weeks, which is definitely a big step up for us! How has your food spending been going so far?

Being healthy: I FAILED at this. I didn’t run even once. I don’t know where my time is going. However, I did start Insanity last week. I felt like death and couldn’t even finish the first session. Oh well, I’ll keep trying, I just have no endurance.

How’s your spending, working out and extra income going?


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Michelle Schroeder-Gardner

Author: Michelle Schroeder-Gardner

Hey! I’m Michelle Schroeder-Gardner and I am the founder of Making Sense of Cents. I’m passionate about all things personal finance, side hustles, making extra money, and online businesses. I have been featured in major publications such as Forbes, CNBC, Time, and Business Insider. Learn more here.

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  1. I've been having more and more trouble fitting in exercising. I started to go to lunch with my team at work, and that was when I used to work out. Spending was pretty good – we stayed within our budget for most categories.

    Extra income I am still working on. With closing on a house this week and moving over the next couple weeks, there won't be a ton of extra time for me to get in all the work I want. Anyway, glad your extra income has been so good lately!
    My recent post What are Health Insurance Exchanges and How Do They Work?

    1. Same here! and now that it's officially freezing here, it makes it even harder.
      My recent post Spending, Life, Income and Food Updates…

  2. Wow your extra income is awesome! You rock girl 🙂 Bonfires are my favorite thing in the fall!

    Oh, you will get used to Insanity. I've done it twice & you will be amazed the endurance you build up & be happy with the results when you finish. Although I must say it gets harder to stay consistant once the workouts start getting to be an hour or so long.
    My recent post All about the Art

    1. Thanks! And good, I hope I get used to it 🙂
      My recent post Spending, Life, Income and Food Updates…

  3. adahat1

    Great job on the income. I did insanity for a month and half. It was just way to time consuming. You might want to try looking into The 4 Hour Body. Just so you know, I am not affiliated with it in any way, I am a case study that dropped 50lbs in 6 months.
    My recent post How I Am Generating Passive Income by Dumping My Savings Account and How You Can Too

  4. Budget & the Beach

    Eating out is one of those expenses that really adds up (as I'm sure you're aware of), but I totally understand the appeal of it. I miss being able to do it more often. The positive side is that it's usually healthier to eat at home so that's killing two birds with one stone. Congrats on all your side income!
    My recent post Week in Review-10/7/12

    1. There is definitely appeal to eating out. It's really hard for me to say no to this Mexican restaurant right next to our house. It's just too yummy!
      My recent post Spending, Life, Income and Food Updates…

  5. Christine

    Spending is good. I basically spend zero money outside of food and necessities since my new job has seen my salary cut in half. Working out…right, sort of non-existent. However we're supposed to be starting "team workouts" at my new job this week for team building so I guess I'll have to get better. 😉 As far as side income, I feel like I'm still kind of floating around trying to figure out how. I'm already working with Crystal but I'm trying to learn what I can do to make my site more appealing to advertisers.

    1. I hope you start making some mega online income! If you have any other questions, you can email me 🙂
      My recent post Spending, Life, Income and Food Updates…

  6. Allison

    You kill it on the extra income!
    We have done so much better food wise this week. We only ate out once this week, and it was a big deal for us too!
    My recent post The Couponers Delima–Donations

    1. Thanks! And yes, it is a big deal 🙂
      My recent post Spending, Life, Income and Food Updates…

  7. therandompath

    Wow, you are rockin' that extra income! Good for you 🙂

    We've been eating take-out a bit more than I would care for. Either it has been too warm to cook, or we just didn't feel like it. Now that the weather has cooled off, hopefully we can get our food spending under control.
    My recent post October is a Time…

  8. kimateyesonthedollar

    I think I have to join a challenge to make something work. I am afraid to spend to much at the grocery because Mr. CBB is in my head and Savvy Scot is in my head to work out. Blogging has been good for finding people to be accountable to! Insanity kicked my butt the first few times I did it. I like my classes at the rec center better. Other people to share you pain.

  9. Hannah

    That extra income is crucial! I definitely need to work on that!

  10. My food spending has stayed pretty well under control. We don’t eat out a ton and I don’t really cook fancy meals at home so that helps.

  11. iheartbudgets

    Well done on the income! It would be awesome to kill your loan with that money! You should make a graph for debt payoff progress and show us how much interest your extra payments are saving you.

    1. I should definitely make a graph, I'm just sooo lazy 🙂
      My recent post Spending, Life, Income and Food Updates…

  12. Rebecca

    Wow, way to go with the extra income! I too have trouble finding time to work out. I've never tried Insanity, but I have tried P90x. That was really time consuming and really really tough. Good luck with Insanity. I'd be curious to know how it turns out.
    My recent post 7 Ways to earn some extra cash

  13. Your posts are so down to earth – which is exactly why I like them. I find myself feeling inspired by you – extra income is the way to go. I got a sweet 2nd income stream coming in, now I want to grow it even more. Thanks for showing us it's possible. – Melissa
    My recent post What changes with a weight loss of 72 pounds?

  14. SavvyFinancialLatina

    No idea how you just spent $100 on groceries!

    We went grocery shopping Saturday night and we spent $120, and it was mostly for him!

    1. Haha well we have a lot of meat stored in our freezer, so that cuts our food expenses quite a bit.
      My recent post Spending, Life, Income and Food Updates…

  15. I need to start dedicating time to it, that's my problem!
    My recent post Spending, Life, Income and Food Updates…

  16. Pelican on Money

    $800 in extra income for 1 week? Not bad at all!! I'm curious if it came from blogging?
    My recent post 34 Money Tips from Top Personal Finance Bloggers

    1. It's from blogging, staff writing, and some little things on the side.
      My recent post Spending, Life, Income and Food Updates…

  17. We like to shop bi weekly also, mainly because it's easier on us!
    My recent post Spending, Life, Income and Food Updates…

  18. Thanks! And congrats on the extra income.
    My recent post Spending, Life, Income and Food Updates…

  19. Nunzio Bruno

    Sounds like it was a good week. I am really cheering for your update on eating out because over the last few weeks eating out has been ruining my budget. I've just been on the go so much teaching 7 courses between 3 colleges. As far as working out goes it's pretty much the same for me too – I think I made twice lol. Good luck this week!

  20. That side income is awesome. Great work. Don't beat yourself up too much about the running thing. I have been trying to get back into it myself and I haven't been able to get over that mental hurdle. It sucks.

  21. Yes it definitely is! I hope it continues!

  22. americandebtproject

    Hey Michelle! My spending was under control in September: under $600 (for everything other than regular bills) for the first time since I started tracking in January! Working out and food I don't have much to report but I would like to step it up in extra income. I am working on a bunch of long-term stuff and my impatience is kicking in….

  23. Sarah Kate

    Food spending is one area we could definitely work on. I really like to make new recipes every week, but that means buying a lot of ingredients at the grocery store, etc. If I stuck with the same meals every week, we'd probably save more.
    My recent post my brown-eyed girl

  24. Canadianbudgetbinder

    Mrs.CBB and I are pretty healthy and keep fit almost every day of the week. We have noticed this year since cooking more from scratch and leaving any conveniences behind that our grocery budget has shrunk considerably. Do you find that you are working towards making changes not only in your healthy lifestyle but your meal planning now that you are focused on your spending? Do you buy ready made foods, crackers,soup,beans in a can, broth in a can, crisps, granola bars etc? Congrats on only eating out twice.. that can easily eat up a budget… way to go!!
    My recent post The Grocery Game Challenge Oct 8-14,2012-Fresh Air!