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10-12-2010, 05:23 PM #1Registered User
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Suck it in--Tightening the Belt Some More and getting back on track
For the last three months it seems like we are constantly getting overdrawn on our checking account. DH doesn't keep track of his spending very well and I have to say I've lost my frugal focus a bit as well. It happened again today and I am FED UP. Gotta tighten the belt, make some better decisions, and get ourselves back on track.
A bit worried about doing this over the next couple of weeks as we prepare for holidays but I CAN DO IT!!!!!!!!!!!!!!!!!! And my link to you all on the FV will help! On my mark....GET SET....GO!!!!!!!!
May Goals:
Only $300 for groceries this month - $206/$300
Monthly coupon/valued customer savings = $14.08
No wasted food!
Stick to budget!
Track spending DAILY
Get checkbook balanced
Save $200 toward EF: $85/$200
2012 FV Challenges: Try New Recipes Challenge: 22/52, Menu Planning Challenge: 21/52, Grocery Reduction Budget Challenge, Change Jar Challenge: $27.81 as of 1-14-12, Lose A Pound A Week Challenge: 3/48, No Wasted Food Challenge
2012 Goals
1. To pay off CC (only $917.15 left!) and never again charge more than I can pay off each month.
3.Snowball the CC and Sears card payments into hospital bill (due w/ Baby #2 via C-section in mid-January). Pay that off ASAP.4. Snowball payments into DH's student loan (as of 12/4/11 there's still $4770.84 remaining). Pay off by 12/31/12.
5. Keep our grocery budget to $300 each month.
6. Use Dave Ramsey's budget sheet and get on track with this each pay period.
7. Get and keep checkbook balanced and keep an eye (weekly if not daily) on our e-statements.
8. Get savings account up to $8,000 (incl. emergency fund)
9. Make 2 Christmas gifts per month: 0/24.
10. Get our home organized: use a receipt book, keep my coupon organizer in check, have a touch-once policy for paper (touch once and then file or toss).
11. Achieve "give or get" goal of $1500 for the board I serve on by 9/30/12.
12. Taxes filed by March 17.
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10-12-2010, 05:31 PM #2Registered User
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You can do it! We're all here for you. Just focusing on making better choices will help.
An obstacle is what comes up when you lose sight of your goal.
Daily Fix It, Sort It, or Clean It Challenge
May No-Spend: 9/12
"A penny saved is a penny earned!"
1 (S), 2 (S), 3 (N), 4 (N), 5 (S), 6 (N), 7 (S), 8 (N), 9 (S), 10 (N), 11 (N), 12 (S), 13 (N), 14 (N), 15 (N), 16 (N), 17 (), 18 (), 19 (), 20 (), 21 (), 22 (), 23 (), 24 (), 25 (), 26 (), 27 (), 28 (), 29 (), 30 (), 31 ()
2012 Lose-A-Pound-A-Week Challenge
I have 12.0 lbs to lose (as of Mon, May 14th, 2012)
Personal
Pay off my Morgage
$102,259.86 (as of May 15th, 2012 - 10 years, 1 months left...partly because we got a new interest rate
)/$108,631.38 (as of Dec. 3rd, 2011 - 12 years, 7 months left)
Pay off my Line of Credit
$6,531.97 (as of May 15th, 2012)/$17,790.73 (as of Dec. 3rd, 2011)
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10-12-2010, 05:32 PM #3Registered User
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You should post what you've done day by day to make better frugal choices. I'd love to cheer you on.
An obstacle is what comes up when you lose sight of your goal.
Daily Fix It, Sort It, or Clean It Challenge
May No-Spend: 9/12 "A penny saved is a penny earned!"
1 (S), 2 (S), 3 (N), 4 (N), 5 (S), 6 (N), 7 (S), 8 (N), 9 (S), 10 (N), 11 (N), 12 (S), 13 (N), 14 (N), 15 (N), 16 (N), 17 (), 18 (), 19 (), 20 (), 21 (), 22 (), 23 (), 24 (), 25 (), 26 (), 27 (), 28 (), 29 (), 30 (), 31 ()
2012 Lose-A-Pound-A-Week Challenge
I have 12.0 lbs to lose (as of Mon, May 14th, 2012)
Personal
Pay off my Morgage
$102,259.86 (as of May 15th, 2012 - 10 years, 1 months left...partly because we got a new interest rate)/$108,631.38 (as of Dec. 3rd, 2011 - 12 years, 7 months left)
Pay off my Line of Credit
$6,531.97 (as of May 15th, 2012)/$17,790.73 (as of Dec. 3rd, 2011)
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10-12-2010, 08:57 PM #4Registered User
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I agree!
Originally Posted by QM
You should post what you've done day by day to make better frugal choices. I'd love to cheer you on.
~July 19 saving goal for event $104/$1000
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10-12-2010, 09:46 PM #5Moderator
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Yup - that's definitely one of our strengths - cheering friends on!! And please know that you are definitely not alone - I swear that I slip up so often that it can make my head spin. So please share what's happening with you!!! Good luck!! You can do it!!
Travel light. The baggage of the past can only hold you back.
“Decluttering isn't just simplifying your life. It's having a vision, setting new priorities and using those notions to get rid of obstacles.”
— Peter Walsh
__________________
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10-13-2010, 05:42 AM #6Registered User
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And remember even the bible says "iron sharpens iron". So yup, it works for the good of all of us. You posting YOUR strength sharpening, will by all means inspire us to sharpen our's! Originally Posted by mauimagic
So with that in mind, we'd all love to read about your successes....of which I'm sure you'l have many! 
Theresa
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10-14-2010, 12:16 AM #7Licence to Kill
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Yes!! Please do that! Post daily! Originally Posted by QM
You should post what you've done day by day to make better frugal choices. I'd love to cheer you on.
You can do it!!
Kace - married to Dh 12 years
Love to
Full-time homemaker, part-time worker, college student. Always pinchin' pennies!
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10-18-2010, 03:04 PM #8Registered User
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You can do it! We did it for a while, putting extra money towards debts, then got lazy and out of it...back on track since July, getting Gazelle intense....it's true, the more you do it, the more you see results, the more focused you become. Good luck-you can do it!
May:
Coupon/drug store rewards:$15
$ Spent accumulating coupons: $5.99
YTD totals:
Coupons/drug store rewards: $759.04
$ spent getting coupons:$92.70
2011 total savings:$2068.18 2010:$1066.58
Meatless dinner: 13/52
Weight loss challenge:1.4/35
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10-18-2010, 03:08 PM #9
Good going making a commitment. We just recently started getting hair cuts at the salon school DD is going to. $40 vs $5. each cut sure saves. Manicures,pedicures and waxing is dirt cheap too.
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10-24-2010, 12:22 AM #10Registered User
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Thank you, ALL of you, for your support. I found some money I'd "hidden" in my purse pocket today so I've decided that on Friday, the last business day of the month, I will deposit it into our savings account.
I've also been making a huge effort to find and drop change (finding it in the car, in the bathroom where DH empties his pockets before taking a shower, while doing laundry, etc.) into my piggy bank every day. At the end of the year, this too will be going into our savings account and I'll start again on Jan. 1! I bet I'll be amazed at how much I amass just through coins I find!
Starting this week, I am taking your suggestion to list everything I do on a daily basis that makes or saves us money. I've also got a list of things to do (mostly to sell) that can make us a little money. I'll split this between the checking account and the savings account.
Thanks again for your support!May Goals:
Only $300 for groceries this month - $206/$300
Monthly coupon/valued customer savings = $14.08
No wasted food!
Stick to budget!
Track spending DAILY
Get checkbook balanced
Save $200 toward EF: $85/$200
2012 FV Challenges: Try New Recipes Challenge: 22/52, Menu Planning Challenge: 21/52, Grocery Reduction Budget Challenge, Change Jar Challenge: $27.81 as of 1-14-12, Lose A Pound A Week Challenge: 3/48, No Wasted Food Challenge
2012 Goals
1. To pay off CC (only $917.15 left!) and never again charge more than I can pay off each month.
3.Snowball the CC and Sears card payments into hospital bill (due w/ Baby #2 via C-section in mid-January). Pay that off ASAP.4. Snowball payments into DH's student loan (as of 12/4/11 there's still $4770.84 remaining). Pay off by 12/31/12.
5. Keep our grocery budget to $300 each month.
6. Use Dave Ramsey's budget sheet and get on track with this each pay period.
7. Get and keep checkbook balanced and keep an eye (weekly if not daily) on our e-statements.
8. Get savings account up to $8,000 (incl. emergency fund)
9. Make 2 Christmas gifts per month: 0/24.
10. Get our home organized: use a receipt book, keep my coupon organizer in check, have a touch-once policy for paper (touch once and then file or toss).
11. Achieve "give or get" goal of $1500 for the board I serve on by 9/30/12.
12. Taxes filed by March 17.
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