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  1. 04-29-2010, 09:53 PM #1
    Ceashels
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    Default Questions for the constantly broke....

    8 Questions for the Constantly Broke - Yahoo! Finance

    Some, if not all of these questions are a been there answered that for some of the long term Villagers here but I like that this can work as a check list for those new to being frugal. It addresses the small ticket items to the big ticket items that can bog us down.


    Do I know where my money is going?
    Am I focusing too much on the month, instead of the year?
    Do I do something everyday that wastes money?
    Do I know my own weakness?
    Am I saving too much?
    Is my relationship hurting my bank account?
    Are the big items dragging me down?
    Am I wasting money by carrying debt?
    The Free Spirit Saver who walks the path with Greebo.

    Onboard with a modified Dave Ramsey Plan
    Budget: "Every month! On paper, on purpose!"


    Gardening somewhere between Zone 6b and 7a.
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  2. 04-29-2010, 10:08 PM #2
    AnW819
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    Default

    Ty for posting this!
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  3. 04-29-2010, 10:09 PM #3
    Debbie-cat
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    Great article ceashels. Thanks for sharing the link.
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  4. 04-29-2010, 10:30 PM #4
    daughter of pearl
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    DR has a question to ask your money:

    "Where the heck do you think you're going, what exactly do you plan to accomplish and what exactly is in it for me?"

    If the answers are not satisfactory, don't let it out of your sight!
    BEF: $$120/$1000
    Change Jar- $36.20

    My New Computer Fund - I DO NOT NEED A NEW COMPUTER UNTIL I HAVE A FULLY FUNDED BEF!!

    Debt Snowball - ON TARGET!!
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  5. 04-29-2010, 10:35 PM #5
    krbshappy71
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    Do I know where my money is going? YES and I want it back.
    Am I focusing too much on the month, instead of the year? yes
    Do I do something everyday that wastes money? yes
    Do I know my own weakness? yes
    Am I saving too much? hahahhaaaa NO.
    Is my relationship hurting my bank account?yes but I wont give it up.
    Are the big items dragging me down? I got rid of the car, not sure what else I'm willing to get rid of.
    Am I wasting money by carrying debt? oh lordy yes.
    LDR , 2 DD (one left the nest, one rarely home) More pets than money. More love than sense.

    "If you can't see the light at the end of the tunnel, march down there and light it yourself."

    Full-time job
    Car loan and personal loan
    Challenges for 2012:
    2012 Grocery Budget Reduction Challenge- $100 a month. (down from $150) Hm, might be too low.
    Electric Usage Challenge (doing well, under $70 most months)
    Yah, I suck at this money stuff, I know. That's why I'm here.
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  6. 04-29-2010, 11:16 PM #6
    frugalwarrior2
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    Yes,I can honestly say I know where my money is going,I have a plan and direction. I am always broke because anything above bills goes to snowball w/ $50. entertainment thrown in.
    Our biggest prob. is DH's company keeps throwing wrenches into the gears by changing the rules. This week-no internet reimb. anymore $-840. this calendar year. And yes 1 credit card Interest is too high. I focus bi-weekly,monthly and yearly. My weakness is DD.
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  7. 04-30-2010, 07:04 AM #7
    wwe11
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    Do I know where my money is going? yes on stupid debt
    Am I focusing too much on the month, instead of the year? yes
    Do I do something everyday that wastes money? no
    Do I know my own weakness? yes
    Am I saving too much? not enough because of stupid debt
    Is my relationship hurting my bank account? yes
    Are the big items dragging me down? yes
    Am I wasting money by carrying debt? yes
    2012 Debt Reduction

    (cc#1) Kohl's- P.I.F. (closed)!!!!

    (cc#2) Chase- P.I.F. (closed) !!!!!

    (cc#3) capital one(mine)- $741.37 /$731.34

    (cc#4) amazon-$1,458.47 / $863.94

    (cc#5) Kohl's - $606.29 / $687.16(CLOSED!)

    (cc#6) capital one(His)- $615.93 /$673.97

    (cc#7) CHASE (HIS)- $1,985.14 / $1,055.85

    (cc#8) Lowes(His)- $3,355.71 / $2,592.42


    (cc#9) Tractor Supply(his)- $3,981.05 / $3,729.95

    (cc#10) Visa(mine)- $918.12 / $1,021.83(CLOSED!)

    (cc#11) Home Depot(his)-$3,796.87 / $3,375.31

    (cc#12) Capital One(mine)- $2,991.98 / $2,967.94

    (cc#13) Micro center- $743.61 / $755.60

    car pyment- $16,245.30 / $17,773.46

    house pymnt- $76,973.95 / $81,360.00




    $0
    $14.00 EF
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  8. 04-30-2010, 09:33 AM #8
    Greebo
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    Quote Originally Posted by krbshappy71 View Post
    Is my relationship hurting my bank account?yes but I wont give it up.
    In your case, I think the answer you're giving is based on a different question.

    When I read "is my relationship hurting my bank account?", what I interpret that to mean is, "Am I in a relationship where my significant other is committing financial infidelity, putting me at risk?"
    If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.

    Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"

    Greebo    (Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
     WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!

    Three     Two mortgages, two one no car loans, one no credit cards, and a partridge in pear tree!
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  9. 04-30-2010, 10:06 AM #9
    krbshappy71
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    Quote Originally Posted by Greebo View Post
    In your case, I think the answer you're giving is based on a different question.

    When I read "is my relationship hurting my bank account?", what I interpret that to mean is, "Am I in a relationship where my significant other is committing financial infidelity, putting me at risk?"
    Oh! Ok then no he's not hurting my bank account, in fact he is working hard himself to change his own financial situation. We have even agreed to discourage each other's cravings rather than "give permission" to give into them. It seems loving to tell someone, "oh go ahead, you deserve it." but if its actually going to get them off track of their goals, they deserve the support to say "no" to such item. Say, if I wanna go out to eat but its not in my budget that week. Ya it's nice to act all sweet "aww go ahead" but he knows I will fret about it later so instead he'll say, "what food do you have at home, I'll help you come up with something..." THAT is what I need.
    LDR , 2 DD (one left the nest, one rarely home) More pets than money. More love than sense.

    "If you can't see the light at the end of the tunnel, march down there and light it yourself."

    Full-time job
    Car loan and personal loan
    Challenges for 2012:
    2012 Grocery Budget Reduction Challenge- $100 a month. (down from $150) Hm, might be too low.
    Electric Usage Challenge (doing well, under $70 most months)
    Yah, I suck at this money stuff, I know. That's why I'm here.
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  10. 04-30-2010, 11:18 AM #10
    Greebo
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    Quote Originally Posted by krbshappy71 View Post
    Oh! Ok then no he's not hurting my bank account, in fact he is working hard himself to change his own financial situation. We have even agreed to discourage each other's cravings rather than "give permission" to give into them. It seems loving to tell someone, "oh go ahead, you deserve it." but if its actually going to get them off track of their goals, they deserve the support to say "no" to such item. Say, if I wanna go out to eat but its not in my budget that week. Ya it's nice to act all sweet "aww go ahead" but he knows I will fret about it later so instead he'll say, "what food do you have at home, I'll help you come up with something..." THAT is what I need.
    Two words:

    KEEP HIM!!!
    If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.

    Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"

    Greebo    (Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
     WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!

    Three     Two mortgages, two one no car loans, one no credit cards, and a partridge in pear tree!
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  11. 04-30-2010, 01:17 PM #11
    frugalfranny
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    Thanks for the article C.

    Good info and even if you think you are doing good always nice to have a reminder about things to watch out for.
    Travel light. The baggage of the past can only hold you back.

    January Book List
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  12. 04-30-2010, 01:24 PM #12
    frugalfriend
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    Quote Originally Posted by daughter of pearl View Post
    DR has a question to ask your money:

    "Where the heck do you think you're going, what exactly do you plan to accomplish and what exactly is in it for me?"

    If the answers are not satisfactory, don't let it out of your sight!
    Love this!!!
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