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Suck it Up September :)

September 2nd, 2014 at 05:23 pm

I am starting Suck it Up September. I'm sticking to the budget. I'm making sure the credit cards are paid off by the end of the month. If I want something and I can't get it, I will just suck it up and deal with it. And I will look for ways to come up with extra cash. I told my husband I want 10K in savings (Not by September!!). So Savings...Sucking it up...Success...those are my goals. I don't think it will be easy, especially since I have had a rough few months. But I'm feeling a new found sense of determination. Positive and forward.

Happy September.

We found the $200

August 14th, 2014 at 07:27 pm

After my checks, an Alflac check, coupon savings, and lots of change counting....we came up with the money for our portion on my brother's headstone. LAST NIGHT! Its such a relief. Not only the relief of knowing that my brother will have the headstone he deserves, but the relief of knowing we didn't take it from savings and I didn't have to reduce my debt repayments.


Thanks for all the well wishes and money saving ideas.

Wish it would rain...money

August 11th, 2014 at 06:00 pm

Just for one day...or maybe just an hour...I wish it would rain money. Paper bills, no coins, so it didn't cause more damage than its worth. Smile I'm just frustrated with money right now. Ugh.

I now only have to come up with $220. I really need to have it by this coming Friday. So far I just have the $10.00 check, an Ebates check coming for $13-$15, and I have $12.50 in bills and change in my purse at this moment. So only $35.50 of the $220 I need. I still have change to count. And I can check in the laundry room for spare change. I have a bonus coming from opening a checking account. Its $100, but I won't get it until September. And I'm not sure how quickly I can take it out?

I checked on can recycling. They only pay $0.45/ lb. And I don't think I even have a pound. I am still looking for items to sell. We don't have any extra furniture except for an antique dresser from my husband's family. And I can't sell that. I am not able to do plasma right now. Sooo...I just have to keep looking.


I am going grocery shopping tonight. Anything under budget can go towards the cause. Coupons don't fail me now.

$330

August 8th, 2014 at 07:55 pm

$330 is what I need to come up with. I really can't take it from savings. It would completely deplete us. So I have about a week to come up with it. That should be really difficult. Frown I have a $10.00 check from the city. I have a small check coming from Ebates....maybe about $13-$15. I am going to try to cut our grocery bill and use as many coupons as possible. So that may add up to $50 all together?? Where does the other $280 come from? Not pay down my debt? I have to pay something. And even if I reduce the payments, it won't add a whole lot. Maybe an extra $70? And then I will still have to come up with that to reach my goal of paying everything off by September. We had a garage sale, so I don't have a lot of extra stuff to sell. I can count change. I can't change insurance right now. We are in a rural area, so our utilities have to be specific companies. I'm running out of ideas. I'm salary, so no overtime at work. Our only entertainment portion of the budget is $20 for eating out...and I already got rid of that for 2 weeks to help with my budget. Any thoughts?

We really need to beef up our savings/emergency fund

August 7th, 2014 at 06:41 pm

It is no secret that I have been struggling. Bad decisions have been made and money has not been saved or put towards debt. So, this all really hit home when I realized that my brother's grave has no headstone. The "responsible party" never ordered one. Unfortunately it took me a almost a year to gain the courage to go out there....so I just found out. (He is buried next to my father, so it is a double whammy to go out there.) My sisters and I agreed to split it...but where is my portion coming from? I guess I need to start counting change and listing anything I can on craigslist to get some extra cash? But this is why we need a decent savings and/or emergency fund!

Well...its been a while

July 29th, 2014 at 06:44 pm

I was embarassed. I felt like I was failing. So I had to step away from the blog for a little bit. Truth is, I had to get out of the mindset I was in. I was continuing to spend money. Even after knowing that I didn't like what it was doing. Then, family came into town...and I spent more. Not good. But, I can't hide from it. I feel out of control when I am spending with no regard. I don't like having debt. And the last few days I have just been thinking... "Are you really ready to get rid of this debt?" "Are you ready to commit and knock it out?" Do you realize how much better you will feel without debt? And it will free up part of your budget!" And the answer is "Yes!" I want to be debt free. And I can make sacrifices to get there. Because it will be so much better in the end.

So I am refocused on the "jars" and working with cash. I have looked at my budget and made myself realize....this is what you have to work with. And its possible.

I am still going to have all of my credit cards and the personal loan paid off by the end of September. That is still within my original goal. My husband and I are looking at a couple of ways to possibly make a little extra money. We are also really considering paying me for my work with our personal business. We are thinking $50/week. It would be nice.

So...that's it. I'm here.

Grocery store night

April 23rd, 2014 at 09:12 pm

Ok. I am grocery shopping tonight. I have $114 budgeted. My list totals $95.00 before coupons. That is for 2 weeks worth of meals and a couple of extras. So we shall see!!

2 weeks worth of updates

April 10th, 2014 at 06:16 pm

First....the Garage Sale. It was a lot of work, but it was a modest success and we got rid of a lot of stuff. And we gave our leftovers to my stepdaughter so she can have a garage sale. Needless to say, I didn't make even close to enough to pay for tires...but..

My birthday was Friday. And my sister gave me money to buy my tires. So along with our garage sale money and the gift, I was able to buy tires. No, I didn't have any left to put towards debt. But I think I am going to count change and see if I can come up with some. My CC#1 is down to $53.88! I can almost taste the payoff. Smile

I am trying to clear out our fridge and pantry. I went to the grocery store and spent $60 for 2 weeks. I have $20 to carry over and $80 in 2 weeks, so I will have $100 to spend. But, I am going to use as many coupons and deals as possible so I don't have to spend the full $100.

I have seedlings almost ready to go in the garden. I have ideas this year to prevent a total wipe out from Bunnies again. But if I could get our produce from the garden instead of the store, we could save some serious cash!

Going back to my birthday... it was great. I got several free meals. Smile Plus the tires. Plus:
DVDS to watch with DH at home
2 - $25 Target GC
Pair of shoes
Necklace
Solar Lights for yard
Door Mat
Bath Salts
So I got a pretty good haul. I am a lucky girl.

I'll let you know how much change I come up with tonight.

Hiatus

February 26th, 2014 at 08:39 pm

I have been gone from here for over a month. I found myself overwhelmed with everything (job, loss of brother and dog and 2 friends, life, disappointment in myself). I wasn't thinking about money, and when I looked on SA....I found myself dwelling on everything I wasn't doing "right." As much as I would love to say "I'm back and with a vengeance" - I can't. But I am back. And I am still trying.


My sidebar is updated with my most current numbers. I am looking at more ways to cut some costs. I am working on taxes right now...which is not fun. And I guess with a business, we will never get a refund again. Yes, we got a car loan. But the cash flow in and out of the household is not affected. We raised my husband's income some and we no longer have a child support payment, so that is replacing child support.


I got a couple of snowflakes today. $25.02 in total. I sent $20 to CC #3. And kept the $5.02. I also had an extra $15, so I sent it to CC #2. I think I can still have my cards paid off by September if I stick to my plan.


Its good to be back.

Updates

January 22nd, 2014 at 08:44 pm

My DH was able to put the water heater in last night. And we had to change some pipes. We paid $342. I had $110 in a "jar" for the house, so we took the rest from savings.


I finally got an insurance quote on our house. For more coverage than we currently have we will be paying about what our original rate was - saving us almost $700 for the year. That's a good thing. Just have to wait for their inspection.


Not having as much pain with my tooth. Going to have to look at the budget to see what I can figure out to pay for the root canal. I'm guessing it will be at least $300 out of pocket.


DH needs special inserts for his shoes...and of course insurance won't pay at all. Those are $245.
So added to the dentist that is 545.00. And I need new tires. That should be another $400. Total = $945. With my savings down to $700, I am a little worried about how I am going to come up with that. Garage Sale in March. Count change? Sell a kidney on the black market? Smile

Electric bill shocker and what's with the ads?

January 10th, 2014 at 07:59 pm

Well, I just got our electric bill. YOWZERS! I thought we were being good....I was wrong. That ice storm really killed us. Our bill is $61.00 more than our budgeted amount. I have enough cushion in our household account for the difference, but I was hoping for it to go the other way this month. I need to find us some cost cutting actions this month!!


And I am the only one getting weird ads on the SA homepage? I had an ad with half naked cartoon girls???? What the heck does that have to do with debt and savings and such??

2014....Finally

January 2nd, 2014 at 08:46 pm

I am very excited to start a new year. I stretched myself a little too thin financially while my family was in town, but I can recover. I have 6 "goals" for 2014.


*** I know its not much, but I want to put 1K in Savings from my payroll alone. Of course I want to do more, but that is a starting point.
*** Pay off my credit cards by September
*** Pay off my personal loan by Septermber
*** Find new home insurance. Ours went up and I am disappointed in the company.
*** Coupon as much as possible
*** THINK. Think before I buy. Think before I speak. Think before I plan. THINK.


Can't wait to see what everyone else has planned.
HAPPY NEW YEAR!

Felt like I was in the apocolypse

December 10th, 2013 at 07:59 pm

I am finally back at work. We were hit by a big ice storm on Thursday night. Texans and ice just don't mix. All of the stores were bought out of grocery items. Cars were abandoned all over the roads. Today is the first day I have been out of our house. Good news is....I had 4 no spend days! My work took us to lunch today and I got a ride to work, so I didn't spend any money. And Thursday is our company Christmas party...so no spending there either. Although I do have to get a gift sometime between now and then. I am really hoping for a Christmas bonus this year. It would really be helpful. So I am anxious to see if we get one.


Anyway....not much else today. Friday should be a productive day.