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Glass Half Empty Vs. Glass Half Full? It’S All In The Perspective

While we have a fixed rate mortgage, our monthly note has swung wildly over the last 6 years due to escrow. We now have payments that are nearly $200 lower this year over last years. For the first time, my homeowners insurance didn’t go up and we had finally caught up our escrow account. That meant we got a rather large check back from my mortgage company last month containing the overpayments we had made.   So we thought… okay, we have a raccoon in our attic. We will use half of the mon

mayday

mayday

Allowances

My two older children are finally starting to grasp the concept of money. They know they need it to get things they want. They know that it doesn't grow on trees and must be earned. I think it's time to start letting them have a little on a regular basis (as opposed to the sporadic birthday/Christmas money they have gotten before now).   I'm really trying to decide how I want to approach this.   They're just 8 and (soon to be) 7, so they don't need large amounts. But they have come to re

MeredithRX

MeredithRX

The First Comes Around Again

It's hard to believe that the months go by so quickly!   It's the first of August already and time to throw another snowball. I love adding all the interest into our sinking fund accounts and watching those balances grow, even by that small amount. (Oh, how I MISS the days of 4% interest at ING! *laugh* But, I'll take what I can get!)   After paying everything off this month and paying the school for tuition and fees in advance, we were still able to sock away $500 into savings and throw

MeredithRX

MeredithRX

We'll Be Homeless In 40 Days

If all goes well we'll be homeless in 40 days and happy about it! We have an offer on our S CA house after 6 weeks on the market. It seems like a long wait since all of our other houses have sold in 1-7 days but times are different now and we are grateful and anxious to move on. There is a peculiar phenomenon in CA though in that real estate contracts seem to be written in jello and "fall out of escrow" all the time. Fingers are crossed.   In the meantime we have submitted an offer on an e

Plinda

Plinda

Asking Really Works!

Today I mentioned to my boss that I was looking for more hours and I picked up one shift this week, an extra hour on one of my already scheduled shifts, a promise to be trained on the host stand tomorrow, and a shift next week hosting!   Apparently, it's pretty common for servers at our restaurant to snub hosting shifts because you only make minimum wage, but an extra shift here and there is an extra shift, and I'd rather work three serving shifts and one hosting each week than having to hunt

Whitney

Whitney

Climbing The Mountain

Well, today I went ahead and paid my phone bill and school fees just to get that settled and done with. Both were due the first of August, but I had the money in my account and wanted to cross them off on my cute little "how much do I need to pay before the fifteenth oh my gosh" chart, so I did!   Now there's just this beast of a power bill, the student loan, the gym, the fiance's birthday present, and waiting for the church to cash my $100 check. It's actually been a couple weeks on that last

Whitney

Whitney

The Mountain

It felt like I was humming along pretty nicely these last couple months, saving 20% of my income for wedding expenses and paying my bills. After a couple weeks of reckless spending, I realized I was facing a mountain of upcoming costs and very little money with which to tackle it. The natural next step for fate to take was a couple of weeks with half my normal amount of hours just to remind me, "Hey Whitney, you really need to be better prepared for the unexpected. This and worse could happen at

Whitney

Whitney

The Swagbucks Experiment - Week #1

I joined Swagbucks on 7/17, exactly one week ago. I heard about it on the forums and decided to give it a try. I have a job and other obligations, but I do end up spending significant amounts of time online communicating with friends and my fiance (who is up in Toronto while I'm down in Florida), so I thought it might be worth a shot and wouldn't take unreasonable amounts of time from my day.   With this and future Swagbucks Experiment blog posts, I will share how well I did each week, and an

Whitney

Whitney

Dave Spotting

Today, I saw a bumper sticker that said "I'm living like no one else" and had the address to the Dave Ramsey website. The car also had a sticker for my alma matter, Stanton. It was a nice reminder that I'm not in this alone. I'd love to get a Dave bumper sticker, but that's a no-go while I drive my dad's car. Ah, well, I'll just throw that dollar at my bills this month and get one in the future.

Whitney

Whitney

First Post

I decided it might be a good idea to do this to try and vent my frustrations while we are stuck in savings mode. We have medical bills to pay, dental bills to pay and a move that we are trying to make cost as little as possible for my father in law. Everyone kind of freaked when I explained how he is going to set Alex's pay based on what we need and how I felt like we had to follow the budget we made for him to get that number. I thought at first it was guilt because the business would be tak

SatinSky

SatinSky

The Reality

49456.97   That is the amount of consumer debt we hold today, July 21, 2011.   To me, that number is sobering. And it’s scary. It’s like the monster hiding under your bed or the boogie man in the closet scary. I don’t like being scared. Ask anyone who knows me, I don’t watch scary movies, I don’t like to read scary stories, I don’t do scared. I have to ask myself why I liked living a scary life.   The answer: Ignorance is bliss.   It wasn’t that long ago, that having debt wasn’t

mayday

mayday

9 Down, 12 To Go!

As of tonight I'm done with class number 9 on my way to get my MBA in Accounting. Unless I did someting terrible on my final 2 assignments I'll be getting an A on this class too After this class I have 2 more undergrad pre-requisites, then 10 more graduate classes.   Also, today I had a meeting with an Accounting manager at work and after my camping vacation next month I'll be applying to some open entry level positions in one or more accounting functions. Hopefully very soon I'll be swit

Zaga

Zaga

Repost Of My Introduction On Llnoe 10 Months Ago.

Well, I am a software programmer in Las Vegas. I have lived somewhat beyond my means for the first 19 years of my Marriage. I have stellar credit as evidenced by the $100,000 in available credit card limits that I had managed to amass by 'careful' management of my credit. What was I thinking! Fortunately, most of my credit card capacity went unused. However, I did manage to amass $95,580 in student loans, credit cards and car loans. I also ran my Mortgage up from $117,000 to $176,604 an

newtrix1

newtrix1

Puppy Fever

I hope everyone had a great 4th of July weekend! We enjoyed the day with some friends in the country. Which was great for my DD, but it was incredibly hot. Then we had another weekend in the country for DH's family reunion this past Saturday. It was really nice, hot again, but nice. It was on a farm with cows, chickens, a horse, and the most adorable yellow lab puppies. The puppies were the big hit of the reunion. DD and all her cousins were cuddling up to the eight puppies all day. And

mortazaar

mortazaar

Request Closure Of Credit Card Account

9/08/2007   CUSTOMER SERVICE Citibank P.O. Box 6500 Sioux Falls, SD 57117   Re: Closing account on Citi Master Card Accnt# 9999 9999 9999 9999   Dear Sir or Madam: This letter is my official notice that I will be closing my account 9999 9999 9999 9999 by the end of the month with Citi Cards. I do have record that the account has had a $0.00 balance since October 2006. To my knowledge, all my fiscal responsibilities with this credit card account have been fulfilled. Therefore, pleas

kdy

kdy

Request Credit Card Account Review To Reduce Interest Rate

Accnt# ####-####-####   Citi Cards PO Box 6500 Sioux Falls, SD 57117 Attention: Account Representative   Subject: Accnt# ####-####-#### The purpose of this letter is to inform Citibank that I have implemented budgeting and debt repayment solutions. Over the past 6 months, I have taken a careful look at my financial situation. I have set up a budget for my living expenses and have developed a debt repayment program. I have budgeted a minimum of $x per month to repay my Citibank debts,

kdy

kdy

Who Am I?

So let's see.... many have already read the initial post on my old blog, so this is just a repeat of that, but for those new to the blogs..... here you go.   I am a SAHM to 5 kiddos at home and one serving his country in Korea. They are 9yo to 19yo. We homeschool. I container garden.... mostly because I forget to water them if they're out in the yard. I'm a book-a-holic. And am debt free (except for the houses).   Both my DH and I served in the military. Me for 8 years, Dh for 20+ (he'

momto6

momto6

My Favorite Time Of The Month

Once upon a time...   I was in the depths of BS2 the FIRST time around. My absolute most FAVORITE time of the month was the first day of the month. That was the day when all the interest posted to all of my accounts, all the bills were paid, and I could take all the extra snowball from the month and throw it at whatever my current BS2 project was. Wiping the account down to bare minimum and throwing every single penny at BS2 was SO much fun for me! It was like giving myself a big high five

MeredithRX

MeredithRX

What A Difference A Month Makes!

My DH has been struggling over the last several years to find a good company to work for that he fits in and pays him commiserate with his job performance. He's in IT and had worked for one company for nearly ten years and left because there was no chance of further career development. Unfortunately, when he left he found out just how difficult it is to find someplace to work that actually appreciates you and can afford to show it monetarily.   So that last place he worked he really liked hi

mortazaar

mortazaar

I Refuse To Spend Anything Today

I don't need to go anywhere, we don't need anything at the store, and I simply refuse to go spend just because I want to go shopping.   I totally have a bad case of the "I wants" today, and I am not giving in to them. If I give in, then I haven't learned anything, and I am not setting a good example.

luchitasmom

luchitasmom

So Is It Bad That I Still Don't Know What I Want To Be When I Grow Up?

DH and I have both had career changes over the years. He went from retail management to state clerk to IT whiz. My changes were not quite as drastic (apartment manager to accounting clerk to small business bookkeeper). I have now past the magical milestone of "40" and am looking at my life wondering do I really want to do this for another 25 years? It's not that I don't like my job. I do like the work at the company I am with currently. But its a small business with a single owner who is l

mortazaar

mortazaar

Update On My Goals 6-20-11

BS3 - As of a few days ago we have a full 3 month FFEF again, may it last a very long time without being needed! At the end of the year I am thinking that it needs to be increased by $1K or $2K.   Property taxes: These are due in August and are about $1,300. So far there is $500 saved up, and another $750 should be going into that fund at the end of June, putting us almost there   Heating oil: Here's where I don't really know how much it will cost, it depends on the price of gas when w

Zaga

Zaga

The First Day Of The Rest Of Your Life

I am so very thankful that this board is back again!   I didn't realize how much I appreciated it until it was gone. I have spent the majority of the past 6 years in various degrees of 'Gazelle-ness' and have been always thankful that we found Dave Ramsey and his plan when we did. This plan has kept us financially stable throughout our married life and we've had several periods of intense financial hardships. The wonderful part was that none of those hardships were a crisis. We were able t

MeredithRX

MeredithRX

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