Jump to content

Blogs

Still struggling with a budget.

After keeping to my budget for the entire month of July; (The longest I've sucesfull stuck to a budget) I didn't keep to it for Aug and Sept; now I'mg going to try again.   I do no my biggest problem is with food (mainly snack food); and in addition between work and school there are some days I'm not home for any meals.   On tue I usally get up and go straight to work for 9, then go straight from work to school, and then my last class doesn't get out till 10, so I get home around 10:30;  

Joan

Joan

Goal update end of September

1) Finish saving up for the back porch. We have $3,600 so far. The new porch is great! So glad we were finally able to get this done, the dog can now go down the back steps because we built them to his size.   2) Pay down the HEL like crazy! This is at $14,368. And officially on minimum payments until the FFEF is full again. So maybe extra payments again in December.   3) Continue getting good grades without stressing myself out. A class finishes up today, as soon as I finish my

Zaga

Zaga

October's Meal Plan

So I had to actually do 5 weeks worth since the first falls in the middle of the month.......Here we go!   30-Meatloaf, mashed taters, veggie 1-Grilled chicken, noodles, veggie 2-Pork ribs, apple salad 3-Baked Potatoes 4-Pizza 5-Out for the zoo 6-Slow cooker chicken and rice 7-Grilled Pork chops, stuffing, veggie 8-Cresent Dogs, fries, veggie 9-Pasta Bake 10-Pasta Bake 11-Chicken Noodle Soup, biscuits 12-Chicken Noodle Soup, biscuits 13-Turkey Burgers, fries, veggie 14-Crockpot L

jwhit7791

jwhit7791

October 2012 Budget

We actually sat down and looked over the budget although DH was not as involved as I would have liked him to be.......gotta make him turn off the TV next time. LOL   Here it is, I know there is some fat on it but I also know that sometimes if we cut to the bone, I have a tendancy to give up in the middle.   Income-$4307   -------------------------------- Entertainment-$81 (this is high this month due to a zoo membership) SLs-$182 Snowball-$1255 Donations-$20 Tithe-$80 Mortgage-$1028

jwhit7791

jwhit7791

October 2012 budget

Please remember that I'm fragile from a day of fasting when you reply.   We reworked October's budget to see how much we could squeeze into the snowball. I was shooting for $1k but didn't quite hit it. Before you read this, please understand that our telecommunications numbers make me so angry I could scream and I DO know the options we have but I am not the only one making decisions in this home. Alex has made a ton of changes over the years as I've discussed with him how our situation i

SatinSky

SatinSky

Tracking Net Worth

This is something I've been doing for a few years now, and it's very motivating! Today though I thought of a new way of looking at it and wanted to share   First, I'll define Net Worth, at least the way I track it. I don't track everything, only the things that either cost or earn me interest or dividends. So the home loan, student loans, and retirement accounts only. I do not count home equity since it doesn't earn us anything, and we plan on staying here. I regard my home as a consumpt

Zaga

Zaga

Starting Over...Again

Not sure how many times I have claimed that we are starting over, starting fresh, etc. We've had some life changes, for the better, and things are starting to settle down. Unfortunately we did end up back in BS2.   Instead of wallowing in the shame and depression that goes along with making that statement, we have decided to pull up our big kid pants and get to work. We still have BS1 taken care of, so we are hitting BS2 full on.   Another recurring theme for me is our eating out habit.

MoneyMama

MoneyMama

Update for us.....

Because who doesn't love an update!   Well, I guess if it is a good update that is. LOL   We are at almost 16% for our goal and after the beginning of next month we will be at over 20% so 1/5 of the way there. I think that we can manage to have the whole thing paid off by April of next year which would put us at 10 months for over $25k. Not too shabby. As long as everything goes according to my plan...wahahahahaha.   We have also talked and looked over the wants list that I posted i

jwhit7791

jwhit7791

September Budget

I'm two days early but as our last paycheques for the month arrived today we've finalised our budget for September and had our first painless budget meeting so I figured I may as well post it. Not rolling it over til September actually begins though.   DHs income: $4305.65 my income: $897.21 total income: $5202.86   Available to budget: $0   Debt snowball =$2,500 Tithe = $370 (oops, forgot to update this with the last cheque) Other giving = $25. Doing an Operation Christmas Child box

NDH

NDH

Wants List......That's right, I have wants! LOL

So DH and I sat down a few days ago and started making out our lists of wants (with a few minor needs thrown in for good measure).   I thought I would list them out here and then see how we do with them and how long they last......also thought that I might list out if I was able to get some good deals or not. These things will be paid for all with snowflakes with one exception. We refinanced the house that is now a rental and didn't have to make a payment in August. Since I had budgeted for

jwhit7791

jwhit7791

Weekly spending

Just wanted to report in that this is going well! In fact we even managed to stay within a standard week's spending for our camping trip! That's not counting the camp fee we paid in May, but I'm still quite happy about it. We took cash and had over $100 remaining when we returned home :-)   Every week so far in August has been between $10 and $100 under budget for the week. Even with the dog having to go to the vet this week we were under by $96 because we hardly ate out (our biggest budge

Zaga

Zaga

Next class - Supply Chain Management!

Now this class I'm looking forward to! The job I was transferred to in April deals with supply chain regularly, and I have no idea how anything gets done around there! It's so confusing, and I'd love to know more about how it all works.

Zaga

Zaga

Plan Fatigue

We have been at this for 2 1/2 years and while we have made progress I feel like it isn't enough. I am not a patient person and we are a single income family. We started off with around $70k in debt, I think and we still have around $48k. But we have bought a house, bought a mini van, had a baby, replaced a well and water softener, and paid off the difference in the debt. Me not contributing financially is hard on me. That being said.......I would love to just power through and get this don

jwhit7791

jwhit7791

10 days into YNAB

Well I'm 10 days into my YNAB trial and it's going great so far! Have been learning to "roll with the punches" a bit, though I really wish DH would at least sit down with me while I make changes due to his spending. I am going to start enforcing a monthly budget meeting though on the last Thursday of each month (his final payday so we will have the full amount we can budget with for the following month) and I pray that he starts showing more of an interest. I don't mind doing it, I'm actually

NDH

NDH

Property Window Shopping

Keep a journal/notes using a word processor and/or spreadsheet to compare over time - just like grocery store price matching. It takes a lot of time to do this.... but when the 'deal' finally showed up, I knew it, from a financial perspective with no emotion (and there is plenty of that because I love where we are going!)   Tools I used a LOT for Property Window Shopping:   Bullzip a free*.pdf printer Digital recordings of web pages for comparison.   Zip-codes distancebetweencities.net

kdy

kdy

Back and with a new budget

Wow can't believe it's been 5 months since I've been on here! Things have kind of been stalemated. Well it seems that way but in reality we managed to pay $1700 to my parents and $2000 to close our Line of Credit in Canada in the last 5 months, and when we filed our 2011/2012 taxes in July I was shocked to see that DH didn't even quite make $20000 for the year. That was with a few months of being unemployed though, and then a whole month of no work in January and in general being slow many we

NDH

NDH

Yay! We have tooth number 3!

With less than two weeks from turning 1, my little girl broke through another tooth today. I will be glad when she has a full set to flash at me but those little baby grins with only the bottom two are priceless also!   That is all.

jwhit7791

jwhit7791

Finally think we got it together.......

So, we were waiting on our renters to pay us for the rent for August. Talk about gut-wrenching!   It was go out to the mailbox, nope, not there. Wait for the next day, nope, not there.   Then around the 6th she writes and tells us there has been a miscalculation and that they would pay us half now and half in two weeks. My DH wrote back and told her no, we do not accept late rent. So she did pay us half and said she would have the rest by the 10th and that Sept's would be on time.   S

jwhit7791

jwhit7791

8-2-2012 - End of Week 3

Well this week hasn't had much progress. I've stuck to plan but waiting around for more money to come in to put in the emergency fund is kind of boring. I've stuck to the budget for the most part though.   I've filled my grocery envelope again and made my grocery list and meal plan for next week. So I've accomplished something. It's weird to have actual money in my hands again. And it makes me wonder what I did with all the money I was bring in before. Obviously I was just blowing it on st

lovesbadmusic

lovesbadmusic

End of July - goal update

1) Finish saving up for the back porch. We have $3,600 so far. $3,600 needed, so done! We are scheduled to have the porch redone the third week of August.   2) Pay down the HEL like crazy! This is at $14,811. And officially on minimum payments until the FFEF is full again. So maybe extra payments again in December.   3) Continue getting good grades without stressing myself out. De-stressing right now, 5 weeks off of class. Also a vacation next week. Only 6 classes left, I'm on

Zaga

Zaga

First Month Down

This is the longest I've sticked to a budget, and I have some comments   My food budget at 200/month was to high, most of which was spent on junk not on healthy food; I do need to work on that. For Aug I'm going to try to bring it down to 180/ month.   I had to buy shoes this month, and the only shoes I could find that fit even semi decently were 108$   My computer decided to stop working all together a few days ago, so now I need to figure out if I can afford a new laptop; In addition I n

Joan

Joan

7-27-2012 - Day 16

Daily Update...   Well today I kind of fell off the wagon, I ate out for lunch after eating out for dinner so I'm out of blow money until the next pay check. The good news is that I still am within the blow money budget. I just need to get back on the not eating out wagon again. Tonight we ate dinner at home at least, an I have next weeks menu planned with plenty of left over to take to work for lunch.   On the up side, I've filled my envelopes and have my grocery list ready which I'm ho

lovesbadmusic

lovesbadmusic

Spending this week

We are wonderfully on track for 2 weeks in a row! We need to keep this up until the FFEF is full again. For july the total added to the FFEF was $2,106; at that rate we need 4 more months to get to $10K which will be the end of November. I'm shooting for the middle of November, then back to the HEL!   The next 2 weeks will be a bit more difficult since we're going camping on the 4th, but I think we'll still do okay.

Zaga

Zaga

×
×
  • Create New...