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11-30-2008, 08:20 PM #1Master Dollar Stretcher
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Mad Hen's To the Penny, Every Penny, Full Disclosure in December Thread
Just starting this thread as a way to keep myself "honest" about my spending in December 2008. I would like to try to track all my expenses, and I find myself not doing so when I put it on paper. Since I'm on this site every day, where better to jot it all down?
Feel free to make yourselves accountable, as well, or to ignore this thread, because it is going to be pretty boring.
DH aka Mad Hen
(http://mad-hen-creations.blogspot.com/)
March no-spend: 15/15
2012 LAPAW: 8.2/15 
2013 Get-Thee-To-The-Gym Challenge: 6/52
Monthly budget total: $1400 - Amt expended: 735.05 = Avail balance: $664.95
Total debt (with mortgage, HELOC, and cc's): Jan 2013: ??? (Jan 2012: $285,105) (Jan 2011: $292,750) 
(2496 days until retirement)
11/12/13 Challenge: PAY OFF ALL CC's!!
Every time you spend money, you're casting a vote for the kind of world you want. Anna Lappe
- 12-01-2008, 02:14 PM #2Registered User
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Not boring at all, I think it's great to see people getting back on track!! Sounds like a good way to be accountable
Wendy
Goals:
1.BEFCOMPLETE
2. Debt OWE $4374.81 / $6026.38 ($1651.57 less than where we started!!)
3. FFEF $1000.00 / $10,000.00 (Murphy has visited us)
Challenges:
1. 2012 Fling: 501 / 2012
Working towards Romans 13:8
12-02-2008, 01:24 AM #3Master Dollar Stretcher
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December 1 - no money spent!! (Good start!)
DH aka Mad Hen
(http://mad-hen-creations.blogspot.com/)
March no-spend: 15/15 2012 LAPAW: 8.2/15 2013 Get-Thee-To-The-Gym Challenge: 6/52
Monthly budget total: $1400 - Amt expended: 735.05 = Avail balance: $664.95
Total debt (with mortgage, HELOC, and cc's): Jan 2013: ??? (Jan 2012: $285,105) (Jan 2011: $292,750) (2496 days until retirement)
11/12/13 Challenge: PAY OFF ALL CC's!!
Every time you spend money, you're casting a vote for the kind of world you want. Anna Lappe
12-02-2008, 07:38 AM #4Registered User
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Dec 1st i paid bills that are due for this week and next week!
12-02-2008, 09:36 AM #5Master Dollar Stretcher
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Paid $350 to the HELOC.
DH aka Mad Hen
(http://mad-hen-creations.blogspot.com/)
March no-spend: 15/15 2012 LAPAW: 8.2/15 2013 Get-Thee-To-The-Gym Challenge: 6/52
Monthly budget total: $1400 - Amt expended: 735.05 = Avail balance: $664.95
Total debt (with mortgage, HELOC, and cc's): Jan 2013: ??? (Jan 2012: $285,105) (Jan 2011: $292,750) (2496 days until retirement)
11/12/13 Challenge: PAY OFF ALL CC's!!
Every time you spend money, you're casting a vote for the kind of world you want. Anna Lappe
12-02-2008, 05:20 PM #6Registered User
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I see the term HELOC used all the time, and forgive my ignorance, lol, I do not have a clue what it is???????
12-02-2008, 05:48 PM #7Registered User
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HELOC = Home Equity Line Of Credit
12-02-2008, 05:53 PM #8Registered User
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Bought markdown milk and veggies at the store for a total of $10~
12-02-2008, 05:56 PM #9Master Dollar Stretcher
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Dec 2 - Arghh. Went to a meeting and ended up getting sucked into going to lunch. $12.72 down the drain for a not very good shrimp fajita lunch.
DH aka Mad Hen
(http://mad-hen-creations.blogspot.com/)
March no-spend: 15/15 2012 LAPAW: 8.2/15 2013 Get-Thee-To-The-Gym Challenge: 6/52
Monthly budget total: $1400 - Amt expended: 735.05 = Avail balance: $664.95
Total debt (with mortgage, HELOC, and cc's): Jan 2013: ??? (Jan 2012: $285,105) (Jan 2011: $292,750) (2496 days until retirement)
11/12/13 Challenge: PAY OFF ALL CC's!!
Every time you spend money, you're casting a vote for the kind of world you want. Anna Lappe
12-02-2008, 05:58 PM #10Master Dollar Stretcher
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Basically, a second mortgage.
Originally Posted by DaisySue
It is a line of credit extended to you based, in part, on how much equity you have in your home. Good thing is that the interest rate is typically pretty low and tax-deductible. Bad thing is that you are using your house as collateral.
DH aka Mad Hen
(http://mad-hen-creations.blogspot.com/)
March no-spend: 15/15 2012 LAPAW: 8.2/15 2013 Get-Thee-To-The-Gym Challenge: 6/52
Monthly budget total: $1400 - Amt expended: 735.05 = Avail balance: $664.95
Total debt (with mortgage, HELOC, and cc's): Jan 2013: ??? (Jan 2012: $285,105) (Jan 2011: $292,750) (2496 days until retirement)
11/12/13 Challenge: PAY OFF ALL CC's!!
Every time you spend money, you're casting a vote for the kind of world you want. Anna Lappe
12-03-2008, 10:15 PM #11Master Dollar Stretcher
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Dec 2 - mortgage payment: $2,000 and gas/electric bill: $200.53
Last edited by madhen; 12-03-2008 at 10:18 PM.
DH aka Mad Hen
(http://mad-hen-creations.blogspot.com/)
March no-spend: 15/15 2012 LAPAW: 8.2/15 2013 Get-Thee-To-The-Gym Challenge: 6/52
Monthly budget total: $1400 - Amt expended: 735.05 = Avail balance: $664.95
Total debt (with mortgage, HELOC, and cc's): Jan 2013: ??? (Jan 2012: $285,105) (Jan 2011: $292,750) (2496 days until retirement)
11/12/13 Challenge: PAY OFF ALL CC's!!
Every time you spend money, you're casting a vote for the kind of world you want. Anna Lappe
12-03-2008, 10:19 PM #12Master Dollar Stretcher
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Dec 3 - no money spent!
DH aka Mad Hen
(http://mad-hen-creations.blogspot.com/)
March no-spend: 15/15 2012 LAPAW: 8.2/15 2013 Get-Thee-To-The-Gym Challenge: 6/52
Monthly budget total: $1400 - Amt expended: 735.05 = Avail balance: $664.95
Total debt (with mortgage, HELOC, and cc's): Jan 2013: ??? (Jan 2012: $285,105) (Jan 2011: $292,750) (2496 days until retirement)
11/12/13 Challenge: PAY OFF ALL CC's!!
Every time you spend money, you're casting a vote for the kind of world you want. Anna Lappe
12-04-2008, 10:31 PM #13Master Dollar Stretcher
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Dec 4 - $87.75 to cc - FINAL PAYMENT ON THIS CARD!! Woo hoo!! (This is a card that I THOUGHT was paid off, but got a surprise statement that even though I paid the full balance on the last statement last month, prior to the due date, I hd accrued a finance charge/interest fee of $87.75. This should put an end to them, though.)
DH aka Mad Hen
(http://mad-hen-creations.blogspot.com/)
March no-spend: 15/15 2012 LAPAW: 8.2/15 2013 Get-Thee-To-The-Gym Challenge: 6/52
Monthly budget total: $1400 - Amt expended: 735.05 = Avail balance: $664.95
Total debt (with mortgage, HELOC, and cc's): Jan 2013: ??? (Jan 2012: $285,105) (Jan 2011: $292,750) (2496 days until retirement)
11/12/13 Challenge: PAY OFF ALL CC's!!
Every time you spend money, you're casting a vote for the kind of world you want. Anna Lappe
12-05-2008, 02:31 PM #14Registered User
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Dec. 5th-
I am refunding an emergency fund and my goal is to buy as little as possible after dipping into the fund. It was better than buying with debt, but I am still not happy. Today I spent $5.26 on breakfast. I didn't realize we were out of milk and didn't have time to make it. Being 8 months pregnant, I couldn't just skip it.
Bought diet cola at Sams and an educational workbook at Sams for $18.00. Not great but could have been a lot worse.
12-05-2008, 06:19 PM #15Registered User
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Dec 4th spent $25 at lowes for parts to fix a water leak!
Dec 5th paid the house payment of $500
Gased up the car for $20
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