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  1. 12-20-2011, 05:22 PM #1
    sahm2boys
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    Default UPDATE - hard times thread

    So things are moving along quite well

    my husband sold his motorcycle and lifted pick up truck =(

    we have enough funds to last until March

    i paid that electic bill in FULL ...lol

    we bought an older family car in place of the big truck (we still have money left over from the sale of the truck) so better gas, better insurance rates and everyone can fit in it.

    we had just paid off the suv in november so i dropped insurance coverage on that and i will be driving that car more often then the gas hogger

    christmas is covered

    that interview i had....i got the job today...i start monday im a bit nervous to go back to work and to work full time and try to get my brain focused and on track again..with my husband still unemployed there is no child care and i will bring in close to 1800 a month

    as of right now we have some time left with husbands unemployment but unless the extensions are continued that ends in january i think..not sure how it works

    so things are improving!!!
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  2. 12-20-2011, 05:34 PM #2
    sahm2boys
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    when we changed vehicles and reduced coverage my rates dropped 50% !!!!
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  3. 12-20-2011, 08:16 PM #3
    cottageliving
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    All the best to you in the new job! Glad to read things are improving for you and your family
    Jen



    30 yr old DD
    3 kitties (2 adopted from my daughter)


    As of January 1, 2011------------------------ Updated June 10, 2011
    Short term goals:
    - $2,000: to set up my consulting business. DONE! INVESTED ANOTHER $5000!
    - $4,000: down payment gift to daughter to bring her down payment on a house to 20% and avoid PMI. ON HOLD.... her offer wasn't accepted...
    - $1,500: pay off Student loan ALMOST THERE!
    - $1,200: pay off credit card (was disputing with creditor (ALL PREDATORY FEES charged on ZERO BALANCE), but I'm giving up the fight to make this go away...) PUT OFF till June/July
    - $11,600: Pay off Cornerstone car loan by end of May 2011 DONE
    - Complete tax returns by February 15th DONE




    Long term goals:
    Continue to follow a modified Dave Ramsey plan to pay off debt. Progress has been made, but there is much to do...
    Balances January 1, 2011 -----------------June 10, 2011
    Citimortgage on home: $104,500-------- $102,775
    BofA Mtg on Rental: $27,000------------ $26,000(Est)
    HSBC Equity Line on Rental: $11,900------ $9,902
    Citibank car loan: $13,830 -------------- $11,663
    Cornerstone car loan: $11,600------- PAID OFF!!
    Student Loan: $1,500------------------ $320
    Credit card: $1,200-------------------- $1,200
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  4. 12-20-2011, 08:21 PM #4
    Palooka
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    I'm happy for you guys. Good luck on your new job.
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  5. 12-20-2011, 08:33 PM #5
    lisaflex
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    best of luck in the new job and have a very happy merry holiday season!
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  6. 12-20-2011, 09:37 PM #6
    khaski
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    Congrats on the new job and the progress you guys have made to becoming financially stable again- and just in time for Xmas! Really happy for you guys!


    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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  7. 12-20-2011, 09:38 PM #7
    brennasmom
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    Good news. Glad things are looking up
    Frugalista Mama to DD 12 & DS 8
    Crazy Boxer *Sadie*
    **Debt Free Minus the House**
    2012 Challenge 16/50
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  8. 12-20-2011, 09:58 PM #8
    mauimagic
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    Mahalo for the update!! Congrats on all you've done and your plans for the future!! Keep us posted - love success!!
    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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  9. 12-20-2011, 10:11 PM #9
    BlissMommy
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    That is wonderful news! Congrats on the job and on the new car and less insurance rates. I hope you have a WONDERFUL first day at work.
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  10. 12-20-2011, 10:45 PM #10
    Mom23boys
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    Congratulations on the new 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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  11. 12-20-2011, 11:03 PM #11
    frugalfoster
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    I'm smiling....in the face of adversity...you are making wise choices! Good for you!!! I love the success stories here at the village!
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  12. 12-21-2011, 06:39 AM #12
    NikoSan999
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    Default

    Congratulations on the new job! What a wonderful Christmas present. Here's hoping your family is finally on the climb back up.
    I'm so very happy for you.
    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 / $

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  13. 12-21-2011, 08:19 AM #13
    Sumacaroni
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    So happy for you and your hubby and kids! Merry Christmas and Happy Holidays are on the way. Good work
    3/26 Afghan #3: 58 done of 191 rows
    Use-it-Up Challenge: 38 tote blocks done
    Crochet Gift Stash: 18 dishcloths, 1 towel, 2 afghans, 2 totes
    Pound-A-Week Challenge: Week 20, dropped 17 of 21 lbs.
    Change Jar Challenge ($vacation$): $49.88 Cashed in for Florida!
    Reading Challenge: 3/12
    ~~~~~~~~~~
    DR Step 1: Done
    DR Step 2: Started 1/2011 w/$19,644, Done: 2/24/2012
    Step 3 by 12/12/12: FFEF: $3850, Truck replacement: $2900
    Step 4: Jack up retirement % by 1/2013
    Step 5: DS19 12/2012, DS14 2015, DD13 2017
    Step 6: Hit the mortgage thru 2018
    Step 7: Build WEALTH & GIVE!
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  14. 12-21-2011, 08:25 AM #14
    Darlene
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    Go You!
    ~*Darlene*~
    Live Well~LaughOften~Love Much

    "Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around."
    Leo Buscaglia

    2012 Challenges
    Books Read: 43
    :



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  15. 12-21-2011, 01:55 PM #15
    pinetree
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    Wonderful news! Have a fantastic Christmas and New year!
    Pine trees, with their needles pointing up to heaven, represent everlasting light and life.
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