Well this lovely month of December as been full of excitement.
DH has been on call for the past 15 days because of the weather. So at any moment he could be called in to work. This is besides his regular shift.
Had to put my dad in the hospital for 5 days because of diverticulitis. That was fun as well
The weather has put a big kink into activities and when we can do them.
All that being said I have paid the bills that needed to be paid and put back $800 in savings. Christmas is bought, paid for and wrapped. As well as DD's birthday on the 23rd. I only need to buy a few ingredients for Christmas dinner and we are ready to go.
Well this lovely month of December as been full of excitement.
Well tried to type this once and it didn't work. So here is the second try.
My goals for December 2007 are as follows
1. Save $1000
2. Track all expeditures
3. Take one bill and find a way to make it smaller
4. Buy less
5. Start Christmas club for next year
6. Get more use out of freecycle and craigslist
7. Start looking at taxes
Well hello everyone. It has been awhile since I have been here. Just trying to keep up with everything with DH working nights and me days. It has been crazy.
On the good side, we are debt free except the house. We have started putting $ back into the savings account so that we can build up our emergency fund.
Righ now I am working on our financial goals for next year and we hope to just live on my salary and save DH's. That would give us a big savings boost.
Well it has been awhile since I posted here. Many thngs have attributed to this, but the biggest is DH new job. He has the weirdest hours and it drives me crazy. But on the up side it is a job and we are now debt free except the house. YEAH. So now we are working on getting lots of money in the bank. We are also treating ourselves a little bit since we have work so hard on not havign any debt
It has been awhile since I posted. Many things have been happening.
1. DH got a new job. He is working for the police department as a automotive tech. Good pay and not so bad benefits. The hours could be the only sucky part about it. We won't know his true "regular" hours until he is done with training.
2. Since that has happened I have come to the realization that I can end my merchandising/mystery shopping. It was good when I needed it but now I can spend my time toward better money pursuits.
3. Have been going to the farmers market and getting some fresh produce so that I can preserve it for future use.
4. Also working on creating more items. Been going through the stash of craft supplies and DH has been going through his stuff. Right now I have taken out enough items to piece together a wall quilt.
Well that is all the rambling for now. I will be back.
Well got through a the first week in April. Have started working on my sewing projects that are on my to list. Just finished the doggy pillow with free fabric and faux fir from freecycle. Going to make some big cushions for the deck with some more of the leftover heavy duty canvas I got from freecycle.
I have lost 3 pounds and have exercise 5 of the 7 days. So I have not done bad. I also have looked into getting some food directly from the farmer for cheaper prices. Still thinking about that one.
Well off to start make a Easter basket and go to bed.
Well it was a great day. I got a lot done around the house and I was frugal about it. Did some laundry and hung it up to dry. Made all meals at home and have lunch for work tomorrow. Trying to make the frugality pan out.
Also found a neat sight to where I can log my exercise and food for free. So that will take WW out of the picture as I need to lose some serious weight and accountablity will help. Need to get off and start doing some sewing.
Well I figured out what I need to do in April. Mostly save money since everything is going up AGAIN. I will be working very hard to make it all happen.
1. Stick to budget
2. Pay off big chunk of M/C
3. Look at bills again and see what I can reduce
4. exercise daily
5. lose 5 pounds
6. declutter more of house and sell/freecycle it
7. work on my sewing
8. oil change in van
9. get veges planted in garden
10. work on finding cheaper sources of everything
11. Eat out only 2x this month
Last month with tax money I paid off a bill and bought the Dave Ramsey envelope wallet. It has helped out quite a bit.
Well it is sunny and 80 here in the midwest. Today is a wonderful day. I sent off the final payment to Cap one and sent in half of what I owe to Sears Mastercard. Hopefully in the next few months I will be able to get that paid off and I will owe nothing but for the house. Yeah.
Well last night a friend and her DH came over to have a celebratory drink. A little over a year ago her mom died leaving a house full of crap (literally there was mouse poo everywhere), no will and a lot of questions. My friend is deaf and her husband was over in Iraq fighting for our country. She was having problems getting anything started, accomplished. So we stepped in and starting helping her where we could.
By the time we were done 7 months later we had 4 large dumpsters of trash, a couple of sales and finally the house sold to a "flipper" because it needed a lot of help.
Fast forward to last night. Since there wasn't a will they had to wait a year after moms death for claims against the estate and to settle everything. So we were having drinks, toasting that their lives could get back to normal and they had us a card with a check for $1000. Now DH and I did not do this to get any $$ or anything, really just to be friends and help out. When I asked what was going on they said
"You helped without getting paid and without expecting anything, that is the reason you are getting paid."
This will go towards a bill. We are almost debt free.
Got the taxes done. Getting $3000 back. That will all go onto bills. Will have all bills paid off except for 1 CC and the house. Hopefully with bonuses coming up at work there will be enough there to tackle a good junk of the CC.
I did make my first 3 candles out of the discarded candle wax. They turned out good and burn wonderfully. I don't think this will become a full time job, but 1 other thing to save money.
Didn't save to much today. Saved $21 on the groceries but spent a little more than I was hoping to. That is okay. We have enought groceries to last awhile.
Went out and bought some candle wicks and stickem but used coupons for both. We have a lot of candle wax left over from candles (bought very cheaply) that I am going to try to remelt and reuse.
For my goals for 2007
1. Look at each and every bill that comes in and see how I can reduce it. Especially since everything is going to start going up 1/1
2. Find new, effecient, frugal ways to do things.
3. Lose weight
Well I needed new brakes on my van. Thought I was going to have to take it to the dealer to get it done as DH hasn't had much time. This morning he told me if I went and got the brakes he would get them on today.
Went and got them. Thought it would be a all day job. Took two hours. Saved $140 WAHOO
Well day 1 with the envelope systems went well. I even managed to not spend the Friday night eat out money. Instead we fixed dinner. I am pretty happy with that. DH did overspend on gas, but he got enought to mow the lawn with. We will see how that budget goes.
Well today I start using the envelope system. Hopefully this will tell me where my leaks are. Need to get them plugged and get rid of the remaining debt. Even though I don't have much it is enough to drive me mad.
Well I have been bad. These past few months have been very busy and I have not been as frugal as I should. I have been getting what little debt we have paid down, but I could have done more. So with today I am starting over and making this work.
Well yesterday hubby got a job that starts on Monday. He will start working 10-12 hour days 6 days a week until they get the hiring done. The company he will work for had bought a plant that had a illegal immigrant problem. So after they got rid of them they are behind on everything.
A little history, DH had gotten a buy out offer 2 years ago. He worked for the company for 17 years. Started working for a friend but that only lasted 10 months as they are a housing construction and that isn't doing well here in the midwest. So he started looking for other work. Well the first company wouldn't verify his employment unless you paid them 12.95 for each verification. Most prospective employers wouldn't do it and passed on him. The company he is going to work for finally got someone to verify his employment for free.
I have been struggaling with my frugality. I decided today that since I have my blog I will journal my days and then I can celebrate my good and learn from the bad.
Today I only went one place. I had to get a couple of personal grooming items and also do a audit for my part time job. It paid for itself. I also scanned my grocery items and personal items for Homescan. Applied for a couple of freebies that were listed here. Signed up for my local freecycle. That is very interesting. Hung up laundry and walked for exercise. While walking I picked up aluminum cans.
All in all not a bad day.
Well this is my first blog here at Savings advice. I have been reading everyone and getting some great advice.
Well today was a pretty good day. I went grocery shopping and spent $20 less than normal thanks to some great sales and coupons.
Got home and the mail brought me my Folgers Simply Smooth buzz kit. I couldn't believe they sent me a whole 12 ounce container of coffee. Love doing this buzz thing.
We put up our extra car for sale today. Finally talked DH into doing it. Since we haven't driven it in a year and it will be awhile be DD can drive it, why keep it around. Maybe then my van can go into the garage. YEA
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