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08-03-2011, 09:00 AM #1Registered User
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2 month update I am seeing the light
I started to really buckle down with our money on June 1st. 2mths later and I have an update.
In June I had $150 in Savings, 5k on a CC (growing rapidly), and $560 on another.
I have been busy with work. I am self employed and my income varies and is not very dependable. When I do get paid, I pay off debt and myself.
I have:
1. $1300 EF
2. 5k CC PAID IN FULL.
3. $560 CC Paid in full
In case you all don't remember, I also cut a lot of spending out of the budget, things like got rid of home phone, knocked down our cell plan since we had 22k rollover minutes, changed cable and internet providers, started cutting the grass, started hanging laundry. List goes on.
My newest frugal venture is couponing. I am not going to hoard food or anything. I am couponing for toiletries and the healthy food we actually eat. I tried doing a $300 budget for a month for our family of 5 and I failed. I can't do it unless I use coupons and have a game plan. I did my first trip to walgreens using coupons and going off their weekend flyer to see what to buy. I did awesome! I stocked us up on items I use frequently, while saving 80%.
Next up is saving up to 2k. Then we have two cars and our Mortgage, then we are debt free. I am plugging away.
I know in Dec my husband gets his bonus and in Feb we get taxes. With that money we are putting towards my car. I currently owe 20k. I would love to have it paid off by the time we move next summer.
Thanks for listening!!
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08-03-2011, 09:04 AM #2Super Moderator
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Absolutely OUTSTANDING!
So how do you feel now vs 2 months ago, regarding your finances?Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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08-03-2011, 10:08 AM #3Registered User
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That's great! See kids- little things DO add up.
Mary Carney 
Working the night shift 'cause they never have meetings at 3am!
DD Sarah 32
DD Rosanne 28
DS Benjamin 18
DD Kathleen 17
Married to David since 1975
Starting grad school September 1, 2010 in pursuit of MSN degree.
MSN degree completed on 4 May 2012 with NO DEBT!
Total cost (including books) = $8375.
Weight loss on Weight Watchers since June 1= 18.8#
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08-03-2011, 11:09 AM #4Registered User
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you are doing FANTASTIC!!
Don't Breed or Buy While Shelter Pets Die
married 16 yrs to my
mom to big J (15)
mom to little j (8)
Zena
Cherry Sara Knat 
Lucky Chianti Abby Alice Jasper 
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08-03-2011, 02:31 PM #5Registered User
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You are doing an awesome job!
~*Michelle*~
~Wife to Rick since Dec. 19, 1986~
~Mother to Richard, 23, Chris, 21, and Dakota, 17~~Mother-in-law to Amber, wife of Richard~~Elementary Teacher~
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08-03-2011, 03:20 PM #6Registered User
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Way to go just doesnt cut it! You are doing a FANTASTIC job!
~July 19 saving goal for event $104/$1000
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08-03-2011, 03:26 PM #7Registered User
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That's REALLY Impressive! You must have been living on what you already had stored and ran very little utilities......
do you want to teach me PLEASE! PLEASE! PLEASE! The electric bills down here and our area run 300+ amonth! and that's on a cooler month than AUGUST!
The Frugal Cavegirl Kim
2012 coupon challenge: $12/$320
May Grocery Challenge:$365 /$525
$25/5000 Re-Plumb House
$0/2000 New Carpet
$0/10,000New Roof
$0/5000 Refurb Pool
***all in now particular order****
-0- New Car Fund
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08-03-2011, 03:55 PM #8Registered User
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I know all about self employment and we do exactly what you do when we get paid. You have done a great job!!!!!!!!!!! Keep up the great work and you will be totally debt free in no time!!!!
KimZ Just have to tell you I LOVE YOUR AVATAR!!!!!!!!!!!!!!!!!!!!
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08-03-2011, 04:07 PM #9Registered User
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Awwwwwww Thanks Pam!
Originally Posted by craftypam
The Frugal Cavegirl Kim
2012 coupon challenge: $12/$320
May Grocery Challenge:$365 /$525
$25/5000 Re-Plumb House
$0/2000 New Carpet
$0/10,000New Roof
$0/5000 Refurb Pool
***all in now particular order****
-0- New Car Fund
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08-03-2011, 05:07 PM #10Registered User
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thats wonderful congrats !!!!
*~Debbi~*
Happily Married Mom to 5 ; PT Home Care RN
Living with FMS
“Fear less, hope more; Eat less, chew more; Whine less, breathe more;
Talk less, say more; Love more, and all good things will be yours”
Swedish Proverb
*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
Getting Gazelle like 7/1/10
Paid off 6 CC's totalling $6807 in 2010
Paid off car 9000
2011
Quit 2nd Job for health reasons so going slower .
2012
purchased used car in cash 5000
*~*~*~*~*~*~*~*~*
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08-03-2011, 08:01 PM #11Registered User
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Congratulations you have done a fantastic job. That's an accomplishment you should pat yourself on the back for. That's a ton of debt paid off quickly.
Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.
Challenges
Coupon Challenge May
$00.00
Year / $
May/ Grocery
$/Goal $400 Total
Eat Out No More May
Goal 20
Accomp/17
No Spend Challenge
Goal 10/
Accomp/14
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