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Thread: New here...

  1. 01-05-2006, 10:06 AM #1
    fiver72
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    Talking New here...

    Hi All, I have been checking out this forum and I believe I have posted once, but don't know what happened to it. We are in some serious debt. With the money my DH makes ( I am a stay at home mom and I sub as a teachers aide.) we should be doing quite well, but that isn't the case. We got into a spending rut and now we are paying for it. Our goal is to be down to our mortgage and (because he gets a car allowance) a new truck(that we will buy after debt is gone) payment in 2 years. I have figured out the snowball effect and that is where the 2 years came from. We are going to Disney after Christmas next year, instead of gifts, the kids will get the trip. I am starting on that to save us some money.

    I have noticed in some of your signatures, that you have a groc. challange and a few others. Is there a thread to these, or just your personal goal? We started saving our change, have a huge jar that we put cash into and that is for Disney, the change is to pay down on debt.

    We have a total of $26K that we need to get rid of before we purchase that new truck. YUCK...it took me awhile to admit to the debt, I have my work cut out for me. Plus I need to save 1000 for emergencies and my daughter shows her horse during the summer and with camps and shows we are looking at about 1500. We don't want to cut that, she gets really good grades and that is what she loves to do. We have 2 boys too.

    Hopefully I can learn some more around here. I have some ideas...
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  2. 01-05-2006, 10:12 AM #2
    homesteadmamma
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    If you go to the Homespun frugal tips, challenges and savings, you'll find many of our new challenges for 2006.

    Welcome to the village. Many of us have spent out way into debt at one time or another and are now working at getting that debt paid off in 2006. There are a number of posts on getting started in your debt reduction journey in this forum "debt reduction". If you have any questions, just ask.
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  3. 01-05-2006, 10:24 AM #3
    thrifty gal
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    Welcome to FV. You'll find all the info you need for debt reduction right here. I've learned a lot. Congrats on coming up with a plan. That's usually the hardest part.
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  4. 01-05-2006, 11:07 AM #4
    Scattymum
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  5. 01-05-2006, 12:29 PM #5
    djs
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  6. 01-05-2006, 12:31 PM #6
    Jeanna
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    Welcome to the group. I have been a member for a few years and had mostly read the posts. But of late I have been posting more and it seems to keep my goals more in front of me. So hope to hear from you often and again welcome to the group.
    Jeanna


    Wife for 25 years
    DS 23
    DD 18

    Start where you are with what you have. Make something of it and never be satisfied.
    George Washington Carver
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  7. 01-05-2006, 01:45 PM #7
    Hollyhandi
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    Welcome to the Village.
    This is a great place to be when you want to learn about getting out of debt.
    Been here a year and I have learned so much from these wonderful people.
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  8. 01-05-2006, 02:30 PM #8
    Darlene
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    Welcome to the Village! Don't you just love a good plan? Keep your eye on your goals and you will definately get there in record time. Oh your first post is still here. http://www.frugalvillage.com/forums/...771#post508771
    ~*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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  9. 01-05-2006, 04:59 PM #9
    Mojjo
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    Welcome!!!!

    Everyone here is very friendly and the site is full of ideas. And if you can't find what you need...ask.

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  10. 01-05-2006, 05:23 PM #10
    PrairieRose
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    Enjoy the journey. It seems daunting at first but as time goes on and you realize some of your goals it becomes much more enjoyable.

    ~48 yr. old sahw, livin' it up in our empty nest, smack dab in the middle of everywhere.~
    *We're debt freeeeeeeee! (including the house)*


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  11. 01-06-2006, 02:50 AM #11
    Julia Kimber
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    Hi and welcome to the village!

    Julia
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