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  1. #1
    Master Dollar Stretcher madhen's Avatar
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    Default 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/)

    June no-spend: 0/15 June wasted money: $0 June grocery: $0/400
    2012 LAPAW: 8.8/20 2012 Get-Thee-To-The-Gym Challenge: 7/52
    : 1136/66,795 Run/walk challenge: 91/520 miles
    Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) (2911 days until retirement)

    Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi

  2. #2
    Registered User Wendy99's Avatar
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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. BEF COMPLETE
    2. Debt OWE $5203.82 / $6026.38
    3. FFEF $2212.31 / ?


    Challenges:
    1. 2012 Fling: 501 / 2012

    Working towards Romans 13:8

  3. #3
    Master Dollar Stretcher madhen's Avatar
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    December 1 - no money spent!! (Good start!)
    DH aka Mad Hen
    (http://mad-hen-creations.blogspot.com/)

    June no-spend: 0/15 June wasted money: $0 June grocery: $0/400
    2012 LAPAW: 8.8/20 2012 Get-Thee-To-The-Gym Challenge: 7/52
    : 1136/66,795 Run/walk challenge: 91/520 miles
    Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) (2911 days until retirement)

    Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi

  4. #4
    Registered User freebs's Avatar
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    Dec 1st i paid bills that are due for this week and next week!

  5. #5
    Master Dollar Stretcher madhen's Avatar
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    Paid $350 to the HELOC.
    DH aka Mad Hen
    (http://mad-hen-creations.blogspot.com/)

    June no-spend: 0/15 June wasted money: $0 June grocery: $0/400
    2012 LAPAW: 8.8/20 2012 Get-Thee-To-The-Gym Challenge: 7/52
    : 1136/66,795 Run/walk challenge: 91/520 miles
    Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) (2911 days until retirement)

    Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi

  6. #6
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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???????

  7. #7
    Registered User tervsforme's Avatar
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    HELOC = Home Equity Line Of Credit
    ~Kim~
    Mom to 2 dogs and 1 cat - Sere, Blue and Shadow

    2012 Fling Things - 275/2012

  8. #8
    Registered User freebs's Avatar
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    Bought markdown milk and veggies at the store for a total of $10~

  9. #9
    Master Dollar Stretcher madhen's Avatar
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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/)

    June no-spend: 0/15 June wasted money: $0 June grocery: $0/400
    2012 LAPAW: 8.8/20 2012 Get-Thee-To-The-Gym Challenge: 7/52
    : 1136/66,795 Run/walk challenge: 91/520 miles
    Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) (2911 days until retirement)

    Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi

  10. #10
    Master Dollar Stretcher madhen's Avatar
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    Quote Originally Posted by DaisySue View Post
    I see the term HELOC used all the time, and forgive my ignorance, lol, I do not have a clue what it is???????
    Basically, a second mortgage. 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/)

    June no-spend: 0/15 June wasted money: $0 June grocery: $0/400
    2012 LAPAW: 8.8/20 2012 Get-Thee-To-The-Gym Challenge: 7/52
    : 1136/66,795 Run/walk challenge: 91/520 miles
    Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) (2911 days until retirement)

    Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi

  11. #11
    Master Dollar Stretcher madhen's Avatar
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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/)

    June no-spend: 0/15 June wasted money: $0 June grocery: $0/400
    2012 LAPAW: 8.8/20 2012 Get-Thee-To-The-Gym Challenge: 7/52
    : 1136/66,795 Run/walk challenge: 91/520 miles
    Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) (2911 days until retirement)

    Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi

  12. #12
    Master Dollar Stretcher madhen's Avatar
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    Dec 3 - no money spent!
    DH aka Mad Hen
    (http://mad-hen-creations.blogspot.com/)

    June no-spend: 0/15 June wasted money: $0 June grocery: $0/400
    2012 LAPAW: 8.8/20 2012 Get-Thee-To-The-Gym Challenge: 7/52
    : 1136/66,795 Run/walk challenge: 91/520 miles
    Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) (2911 days until retirement)

    Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi

  13. #13
    Master Dollar Stretcher madhen's Avatar
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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/)

    June no-spend: 0/15 June wasted money: $0 June grocery: $0/400
    2012 LAPAW: 8.8/20 2012 Get-Thee-To-The-Gym Challenge: 7/52
    : 1136/66,795 Run/walk challenge: 91/520 miles
    Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) (2911 days until retirement)

    Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi

  14. #14
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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.

  15. #15
    Registered User freebs's Avatar
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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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