Here's where the rubber meets the road! - Page 5
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  1. #61
    Moderator ladytoysdream's Avatar
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    Thanks for sharing your journey with us.

    My only thought for you....is to keep a money cushion intact.

    I have had a small one for some time, but we used it recently to build the chicken house. So now I have to watch the checking account balance very careful. And when I tell the hubby no extra spending, that everything is accounted for. I have to stand firm. Hopefully I can get it built back up before the end of the year. But it won't be this month
    --------My signature--------
    The economy is now uncharted waters... grab a oar and start rowing. ~~
    Put the frog in pot, turn up the heat real slow, and the frog doesn't hop out. And by the time he realizes, he should , it's too late... think about it.

  2. #62
    Registered User Thevail's Avatar
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    I am trying to keep even the small EF we have left intact, but time marches on, and we continue to have expenses.. and ugh!

    Thanks guys!

  3. #63
    Registered User Thevail's Avatar
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    Sept. 7th 2009

    Great day today! Finished putting window in, and doing all the finish trim.
    Final test: not a flicker from a candle flame while the wind outside howled at 34 mph!

    I was so GOOD today! I went to the Labor day sales at all the thrift stores (shopping for school clothes with a friend's daughter), and I bought NOTHING! Hurray! Good ME!

  4. #64
    Registered User Ocean_Beach_Dweller's Avatar
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    Thanks Thevail, this thread has been really inspiring for me, i'm glad you decided to share!
    "A bargain ain't a bargain unless it's something you need.”

    “Happiness is a gift and the trick is not to expect it, but to delight in it when it comes.”

    Emergency Fund: $10,000/$10,000 6 months, fully funded!

    Car loan: $6,000/$6,000 PAID OFF!!!!
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  5. #65
    Registered User itlw8's Avatar
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    Quote Originally Posted by Thevail View Post
    Started the "winter projects" today..

    Cutting up old blankets gotten for $1 apiece at yard sales into the right sizes to use as window insulators.
    We have old wood casement (good) single pane (bad) windows from 1924. So every window in the place is a "custom" size. They're far too expensive to replace right now without incurring massive debt.

    So every winter we go out and staple 10 mil plastic up over almost all the windows in the house which works pretty well, but the heat loss is still horrid.

    So this year we're going to try cutting thick older blankets to exactly fit the inside of each window and hang them on little dowel rods mounted inside the frame.

    I'm sure this isn't exactly new, but we finally have enough blankets to do it with! I've been buying old wool blankets that someone washed and therefor felted. And I won't pay more than a buck for them so it's taken a while to get enough of them.



    It's time to get focused on keeping the house cozy this winter!

    I keep threatening to knit a "house cozy".
    What a great idea I remember in the 70's they sold window quilts and they were sealed at the window edges I wonder if you put plastic to keep the drafts out and then put the sandwich of plastic and wool in the window with velcro it that would work

    I also remember that one inch foam insulation being covered with cloth and then tucked in the windows at night but that cost money and you have the blankets.
    Meg

    debt free YEAH on to saving

  6. #66
    Registered User Thevail's Avatar
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    I have to say, I thought about the insulation board, but honestly, what the heck do you DO with them during the day??

  7. #67
    Registered User Thevail's Avatar
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    So today I:

    Applied for food stamps. Depressing, I know. We don't actually need the food stamps, but we DO need the reduced price school lunch.

    Gave my daughter Alyssa and her friend Michelle at home haircuts for school! Success! I managed a nice precision bob on Dd, but her friend has curly hair.. so much more difficult. Still it doesn't look bad.

    Finished painting the trimwork on my new window ,the house smells awful but it looks great.

  8. #68
    Registered User CrazyHomemaker's Avatar
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    Hang in there! We're routing for you!

    Here's something to consider. It's really a far-fetched idea, but a lot of people say it works. Think positive! This way positive things will come to you. In your mind, see what you want and believe in it and feel it happening. Then it will come true. Told you it was far-fetched.

    I forgot about the window quilt thing. It really does make a difference. Think castles and tapestries. Keeping out drafts is one thing they were made for. So, you'll have your own castle in no time!

    Take care.

  9. #69
    Registered User missmanny's Avatar
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    I hope that everything will turn out ok for you, I'm sure that it will as long as you can hang in there.

    If times get tough though sounds as if you could sell the Echo for a substantial profit?

  10. #70
    Registered User Thevail's Avatar
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    Yeah, we could sell the echo if we needed to, although since we owe a bit on it, we'd be more likely to sell the ford escort for a couple grand which is all profit, and we'd still get to keep the better car.

    I don't think the power of thinking positive is far-fetched at all. It's just a way of focusing your mind on the desired outcome. Just like prayer, or chanting, or meditation, etc.

    I keep trying to stay focused on what I CAN do, and not worry too much about what I can't do. I mean if I can't do it.. then why worry, what does it help?

    I find that thinking forward, even if it's to anticipate and intercept problems is better than focusing in on the present problems.

    So, I'm applying for foodstamps NOW, even though my stockpile is holding up fine. A) I might be able to save $20 a week on school lunches if we qualify B) Adding to the stockpile to replace what we've used so far will allow us to weather what in worst case scenario may be up to a 6 month unemployment stint.

  11. #71
    Registered User Thevail's Avatar
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    Well, we qualified for food stamps.. but at the $0 level??? Just weird.

    Still it means the child's lunch costs have gone from $3.75 a day to 40 cents per day. Hurray! I can manage $2 a week.

    Meanwhile, back at the ranch, we got the bathroom renovated for a total cost of $27.. we had nearly all the parts etc. stored away for when we'd have time.

    Also got the trim up in the kitchen. Hubby and I are now entering the decor negotiating phase. I'm for cornflower blue and white with accents of

    And in an amazing stroke of karmic bizzare.. someone gave us a 2005 42 inch HDTV and surround sound system.. for free! They just got a flat panel etc. etc.

    I wish someone would get all new money and give me their old wrinkled money..LOL! That would be a bit more helpful right now, but the TV is an energy star one so it will at least save us money on the electric bill.

    Anyway, we're still current on the bills and making the housepayments on time so things aint that bad.

  12. #72
    Registered User NikoSan999's Avatar
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    Any clue whatsoever as to when he might go back to work? Any?
    How long do you think you can hold out housewise?? Been following and you've done so well.
    Thoughts are with you. Don't think I could hold up so well with the not knowing. Really truly wishing you good things.
    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 Sales Challenge Mar
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    Coupons for Year / $110.43

    Mar/ Grocery
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    Groceries for Year minus Jan & Feb
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    Eat Out No More April
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  13. #73
    Registered User Thevail's Avatar
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    No telling when he'll go back to work. Hopefully soon. But no one is working around here right now. Our corner of the country "caught" the recession last, and so we're kinda right in the middle of it about now.

    I keep hoping he'll go back soon (so does he). I know my hubby's got a great reputation in his work, and when there's work he'll go back sooner than most.

    I am scared. I'm terrifed, actually. I'm trying to be calm, and keep a positive outlook about the whole thing since I can't see that weeping and gnashing my teeth will actually change a damn thing anyway.

    I just keep trying to keep the feeling that it's all slipping slowly away from us at bay. All the years of work, all the scrimping and scrounging and saving. All the not taken vacations and brown-bagged dates... only to lose all the gains we've made over something we have no control over.

    But I think a lot of that is just hysteria trying to take over.

    We get 2400/month as long as unemployment holds out. The house payment is 1517/month. That leaves $883 a month for everything else.

    It might get awfully cold and rice-and-bean-ish around here, but we won't lose the house. And we won't starve either.

    I've got 1/2 a cow in the freezer as well as a 6 month supply of staples like rice and beans and pasta and flavorings for them all. Veggies might be an issue. But there's also the local food banks.

    We've got clothes and stuff. We'll make it. It's just going to take

    Man, I'm really being a downer today.
    Last edited by Thevail; 09-23-2009 at 03:17 AM.

  14. #74
    Registered User TheRootedNomad's Avatar
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    I just found this thread today. It was much needed as I have been planning a "no work" period between jobs --- when I switch. I am really nervous about it even though I'm planning out the whazooo. Your thread to date has given me even more food for thought on both positive and negavite fronts.

    For where you currently sit have you tried to work out a possible budget on the $2400? As a challenge is it all concievable to pay "everything" else for $883 a month? What about $663 (since that would be almost 10% you could put in savings)? Is it doable. I would have to really crunch them to see if I could make that work here. My first reaction would be #*%$ NO!!! Then I would really sit down and take a look. I may do that just to see. Maybe my train of questioning is all wrong ..... Maybe it should be .... How can you make it work to cover "everything else for $883? for $683?

    GG


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  15. #75
    Registered User NikoSan999's Avatar
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    Quote Originally Posted by TheRootedNomad View Post
    I just found this thread today. It was much needed as I have been planning a "no work" period between jobs --- when I switch. I am really nervous about it even though I'm planning out the whazooo. Your thread to date has given me even more food for thought on both positive and negavite fronts.

    For where you currently sit have you tried to work out a possible budget on the $2400? As a challenge is it all concievable to pay "everything" else for $883 a month? What about $663 (since that would be almost 10% you could put in savings)? Is it doable. I would have to really crunch them to see if I could make that work here. My first reaction would be #*%$ NO!!! Then I would really sit down and take a look. I may do that just to see. Maybe my train of questioning is all wrong ..... Maybe it should be .... How can you make it work to cover "everything else for $883? for $683?

    Don't forget the $2400 is unemployment. If you are looking at unemployment between jobs check to see if yours is as high per week as theirs. I think Washington state gets the hightest rate possible. Not positive. At $2400 a month that would be $600 a week. Not all states gets that. Ours in Florida is $275 max. Big difference. If that is what you are relying on check first on your amount. Better safe than sorry.
    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 Sales Challenge Mar
    $10.43

    Coupons for Year / $110.43

    Mar/ Grocery
    $58.58 /Goal $250.00 Total

    Groceries for Year minus Jan & Feb
    $58.58

    Eat Out No More April
    Goal 20
    Accomp/1


    No Spend Challenge
    Goal 10
    Accomp/

    Change Jar 2014
    $

    Christmas Fund 2014
    $

    Emergency/Sinking
    $100

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