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Thread: Frugal Living Archive 2009

  1. #361
    Stealth Dog mommymath's Avatar
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    I'm going to LOL about it rsk, at least until I get the repair done.
    "Love cannot be killed or swept aside ... Now fill the world with music , love , and PRIDE. " - Lin-Manuel Miranda

    Salam. Shalom. Aloha. Paz. Aman. Heiwa. Sula. Friede. Amniat. Peace.

  2. #362
    Good Morning Princess! lizzie lou's Avatar
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    Bummer about the seatbelt, MM!

    I finally finally finally started working on the budget project. As I may have explained, I think we found the community we want to move to and I even have my eye on a cabin I want to buy. We need to get this house ready to sell as well as fund new business ventures. We also will probably need to live off our small savings.

    So I am motivated!

    Done so far:
    downloaded bank acct info
    downloaded credit card info
    set up more cards to do one button download
    input which expense or income categories transactions belonged to
    attempted to reconcile accts
    looked up budget chapter in The Missing Manual
    negotiated with DH to do housework so that I could work on budget some more
    transfered $ from checking to MM acct

    Next up:
    finish categorizing transactions
    finish reconciling accts
    read up on Budgeting chapters
    pull Publix and Kroger receipts?
    manually enter that data?


    ...Friendship is Magic...

  3. #363
    Stealth Dog mommymath's Avatar
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    Sounds like big plans, Lizzie!

    :snow2: sold old TT on craig's list

    [] inventory pantry, pull items for donation, make note of what we have
    [] inventory baking stuff, make list to get stuff on sale
    [] check under sink to use up cleaners we have
    [] likewise, toiletries
    [] factor car ins. payment into dec-jan budget
    "Love cannot be killed or swept aside ... Now fill the world with music , love , and PRIDE. " - Lin-Manuel Miranda

    Salam. Shalom. Aloha. Paz. Aman. Heiwa. Sula. Friede. Amniat. Peace.

  4. #364
    Stealth Dog mommymath's Avatar
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    called critter control to check the seal around our house - comes out of the EF, but I figure that it is better than having mice get in!!
    :snow2: sold some old homeschool things on ebay
    factor car ins. payment into dec-jan budget
    :snow2: inventory baking stuff, make list to get stuff on sale

    [] inventory pantry, pull items for donation, make note of what we have
    [] check under sink to use up cleaners we have
    [] likewise, toiletries
    "Love cannot be killed or swept aside ... Now fill the world with music , love , and PRIDE. " - Lin-Manuel Miranda

    Salam. Shalom. Aloha. Paz. Aman. Heiwa. Sula. Friede. Amniat. Peace.

  5. #365
    Good Morning Princess! lizzie lou's Avatar
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    It's been a busy week. I got a new gig--actually two new gigs. I got asked to help produce a two-week Spring Academy for the group I did facilitation training with. This involves marketing and then running four workshops.

    They were looking for a location to have, and I had the bright idea that the Community that I am considering joining could host it, as we are wanting to have a conference center eventually.

    So I am both going to be part of the working group and I am also going to contract with them to be the Facilities Management.

    It's a huge responsibility, and there is no guarantee that we will get paid--it all depends on whether we can get folks to sign up.

    I have already put some serious hours into it--and I guess that is something that I should track. One of the reasons that I am doing this is I want to see if this could be one of the income streams that I could do at the new Community. So it is a trail run on many levels.

    I also continued to work on the budget project, and got the first draft of the budget ready for review.

    accomplishments
    finish categorizing transactions
    create baseline based on CC & checking info
    create trail budget from that
    scout conference location with B&W
    negotiate workshop space and hospitality cabin w/ Ken
    write up expectations
    buy and skim books on event planning
    write up report on scouting with pictures
    start expense spread sheet
    start roles and tasks spread sheet
    participate in second meeting

    next steps
    send info about Dalar to Ken
    determine whether I am going to fly to meeting in Raleigh
    meet w/ DH and discuss budget
    decide whether to input cash receipts
    make up Excel widget to calculate Academy income
    make critical path timeline for Academy
    make critical path timeline for Prospectus
    fill out State of Grace document
    have conversation with Megan


    ...Friendship is Magic...

  6. #366
    Stealth Dog mommymath's Avatar
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    Go Lizzie!

    I've been trying to make use of the sales/promos without overspending, which is what the retailers want, LOL.
    got DH 2 pairs of good Columbia socks at Kohl's - normal price $16, but it was on sale and I had the $10 promo card they mailed, so total out of pocket was $1.
    used $5 bonus bucks at WG before they expired
    finally got shoes for DH - he had worn his last pair daily for $2+ years. And if I take the receipt, I can get DS a pair at 1/2 off.
    changing the garage door weatherstrip has been expensive (I actually had to replace the entire hardware on the bottom) - it had better keep those mousies out!
    need to keep an eye out for Border's/B&N promos for various gifts
    turned in empty ink cartridges at Staples for Rewards credit; I have a $15 reward which will go for stocking stuffers for DH
    critter control checked the house and no mice inside, only in garage - phew! But we decided to seal the attic vents because raccoons have been trying to get in. $$. It does have a lifetime guarantee, so hopefully it is worth it.

    still need to:
    [] work on master holiday gift list
    [] drop off food share donation
    [] go through cleaning supplies
    [] go through bathroom cabinets, declutter
    Last edited by mommymath; 11-23-2009 at 09:18 AM.
    "Love cannot be killed or swept aside ... Now fill the world with music , love , and PRIDE. " - Lin-Manuel Miranda

    Salam. Shalom. Aloha. Paz. Aman. Heiwa. Sula. Friede. Amniat. Peace.

  7. #367
    Stealth Dog mommymath's Avatar
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    must remember:
    :reindeer2: Border's rewards expiring 11/30
    [] Best Buy rewards expiring 11/30
    [] use Staples rewards for dh's stocking

    still need to:
    :reindeer2: work on master holiday gift list
    :reindeer2: drop off food share donation
    [] look at humane society doggie supply wish list, see what we can round up
    [] go through cleaning supplies, use what we have
    [] go through bathroom cabinets, declutter
    Last edited by mommymath; 11-27-2009 at 08:27 AM.
    "Love cannot be killed or swept aside ... Now fill the world with music , love , and PRIDE. " - Lin-Manuel Miranda

    Salam. Shalom. Aloha. Paz. Aman. Heiwa. Sula. Friede. Amniat. Peace.

  8. #368
    Good Morning Princess! lizzie lou's Avatar
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    coffee December Frugal Living! (2009)



    pause from all the dashing through the snow

    :snow4: :santasleigh: :snow4:

    and reflect on how you're making it a Frugal Holiday



    without turning into a Grinch








    ...Friendship is Magic...

  9. #369
    Good Morning Princess! lizzie lou's Avatar
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    Yesterday morning I unexpectedly had to meet M and her daughter, A, at Target, to give A some stuff for a dance she was going to that night. I got their earlier than they could, so of course, I went shopping. This triggered a day-long shopping spree that I had no business going on--I am under a hard deadline to prep for an out of town meeting I am leaving for tomorrow morning and we have not made up our Christmas budget yet. So I neither had the time nor the money.

    Remorse/guilt started to kick in as the day and the spending started to get away from me, and I was able to pull back at the end when I went to Costco to pick up a prescription. It was really crowded with long lines, so I went and got something to eat instead of shop.

    I was sad as I came home because I knew DH would not enjoy my Goodwill finds; that he would probably be mad. But actually, he got in touch with his sadness about the whole situation--about how many people seem to have this problem, including himself, and how "the consumer machine" preys on it.

    He said his "shopping thing" doesn't get triggered very often, but he has it. He gets it out of his system when he goes grocery shopping. He spends hours (usually two or three) at the grocery store and comes home with a ton of food.

    So we looked at the issue/problem together, which was a breakthrough for us. I also am seeing there is a difference between planned expenditures and "triggered" shopping that has a really compulsive feel to it.
    ...Friendship is Magic...

  10. #370
    Stealth Dog mommymath's Avatar
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    Lizzie! I'm glad that your dh is understanding!

    We had a scare with a multi-thousand dollar medical bill that insurance wouldn't cover, but it turned out that they had a contract with our doc so we just owe a small co-pay even though they are out of network. Big, big PHEW. But it really made DH and me discuss how we need to completely pay off our cc (mostly medical and travel) as soon as we get our tax return and try to build a real EF! We always knew that, but there's nothing like an actual unexpected bill for a wake-up call.
    Just about done with my holiday list; went a bit over the budget, but all pd in cash. We hate hate hate those credit card companies as we see what they are doing to people. Our own bank has been great, so far, but we want to get it pd off before an inevitable rate hike, etc.
    Once we pay off our cc in Feb. we really, more than ever, want to live without credit. Our medical deductible + paying vision therapy out of pocket really got us this year! We have a plan for putting next year's deductible away right away, if nothing breaks on the house/car/humans first. LOL.
    I'll get some teaching salary Jan-May, which will help, but of course will need more childcare. But it will still help.
    Really want to make material goods donations to share-a-gift; food bank (done); humane society, etc. Better get moving on that.
    I have a good friend who is a single mom without a job right now (she just finished grad school), trying to figure out a really useful gift for her without embarrassing her.




    Last edited by mommymath; 12-06-2009 at 09:58 AM.
    "Love cannot be killed or swept aside ... Now fill the world with music , love , and PRIDE. " - Lin-Manuel Miranda

    Salam. Shalom. Aloha. Paz. Aman. Heiwa. Sula. Friede. Amniat. Peace.

  11. #371
    The New Me EmilyD's Avatar
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    dh and I are reconciling this month (on our 27th wedding anniversary, 18 Dec)

    Among some of the things that was decided:

    Need to pay off those cc's like MM said.
    I have made up a plan and we have agreed to allocate $50.00 a month to the snowball.
    The cc that we did have was shredded so no more using it.

    Also, am trying very hard to get an BEF in place between now and Jan 31. ($1000)
    $200.00 so far, he is now back on overtime for unknown length of time,
    that will be the first priority on that money.

    We had a LOC of almost $4000.00 which was recinded this month because of
    "current financial situation" of the country (we did NOTHING wrong except pay on time every month).
    So if anything happens to appliances etc, we are in big trouble.

    Don't need $200.00 every 2 weeks for food (we have both been living off $40.00 each plus stockpile)
    So we dropped grocery allowance to $100.00 every 2 weeks

    That we both enjoy/need our cable/phone/Internet (cell's are killing us)
    $126.00 will be allocated for all of the above, keep cells for emergency only.
    I can drop that by $20.00 if need be and still have all three

    We each will be allowed $40.00 per month for our own money (less than before)
    but it is better then nothing.

    The budget has been set up, both agree to it and there is enough left over for play.
    (Enough for a nice meal and a movie per month or several cheap meals)

    Will set up all cash expenses on envelope system.
    All other bills will be paid online, directly from the bank account.
    Last edited by EmilyD; 12-06-2009 at 05:27 PM.

  12. #372
    Yeah, I'm getting to it.. Zippity's Avatar
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    Default Frugal Living Archive 2009

    Archive of the 2009 Frugal Living Threads.
    "I have been impressed with the urgency of doing. Knowing is not enough; we must apply. Being willing is not enough; we must do."

    - Leonardo Da Vinci

    "I am seeking, I am striving, I am in it with all my heart."

    - Vincent Van Gogh


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