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  1. 08-25-2008, 05:37 PM #1
    Cricketlegs
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    Default Spending to save

    I just ordered my 12 year old dd a $400 sony cyber shot for her birthday--why you might ask???!

    I'll tell you why, she is on the yearbook staff and I don't want my $1100 Cannon Rebel to be floating around the JR HIGH!

    Her teacher was giving her all kinds of tips so it wouldn't get stolen even though I was already concerned enough!

    Her teacher was very excited about my camera..sorry teacher lol it is mine and it is staying at home with me.

    I did tell dd she could take the rebel to the football games.

    The thought of someone stealing my camera makes me sick. I love my camera.

    Luckily for me I still have points(how I got my rebel, dds 20 rebel and dd12 sony--all for free) so I didn't have to pay cash for it and as I said it is her birthday(early I know lol) present so I wanted to get her a nice one that she wanted.

    Ships in 2-3 days.

    I was saving my points for a projection home theater system.....and we don't think dh is getting anymore points now that he isn't parts manager and took the promotion to production manager.

    They give them off past months so I just may manage to get enough off his incoming back points. It would be so much fun to put the picture on the wall and watch BIG harry Potter lol.

    My dds and I are big movie watchers.

    My dh said isn't the 50 inch plasma enough and I said NOOOOO we need bigger!

    But I hijack my own thread.

    Anyhoo....sometimes you have to spend money(or points) to save money and sanity!
    The math never lies, budget in INK!

    Amount of Free items 2012 $391.33


    Debt #2 12/31/12 CC $901.88
    Debt #3 12/31/12 $3648.83

    Madness, mayhem chaos...my work here is done!
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  2. 08-25-2008, 06:19 PM #2
    FrugalWitch
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    Middle schools have yearbooks? I thought that was a high school thing.
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  3. 08-25-2008, 06:31 PM #3
    Moor
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    oh no frugal witch, i have been bombarded since elementary for yearbooks for all of my kids!
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  4. 08-25-2008, 08:07 PM #4
    cottageliving
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    Cricketlegs -- that is where your frugality pays off -- you are able to spend dollars or points on an item that makes sense for you and your family. Way to go!!!

    Plus, I'm sure your dd is thrilled with her b-day gift!
    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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  5. 08-25-2008, 08:25 PM #5
    Greebo
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    Call it "insurance"
    If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.

    Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"

    Greebo    (Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
     WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!

    Three     Two mortgages, two one no car loans, one no credit cards, and a partridge in pear tree!
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  6. 08-25-2008, 10:43 PM #6
    Cricketlegs
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    Yes,we have yearbooks for every grade here and dd is in JR High this year.
    The math never lies, budget in INK!

    Amount of Free items 2012 $391.33


    Debt #2 12/31/12 CC $901.88
    Debt #3 12/31/12 $3648.83

    Madness, mayhem chaos...my work here is done!
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  7. 08-25-2008, 10:47 PM #7
    ChristopherJ
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    I'm about to do something very similar. Spend money to save money. Will be replacing a car I pay a monthly bill for, with a cheap car I'm going to pay cash for. Should cut out a pretty significant monthly bill.
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  8. 08-25-2008, 11:58 PM #8
    Cricketlegs
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    Also, buying a freezer is an added expense(this is an example I already have one)but one that pays off in the long run.

    So was my iron press. I paid $279 for it total but already I am up 48x2.50= $120 in the first month. I have done 24 shirts and 24 jeans or pants this month. Once it pays for itself I am in the black on it and reaping the rewards of my labor.

    And lets not forget the stockpile--you invest money to save money.
    The math never lies, budget in INK!

    Amount of Free items 2012 $391.33


    Debt #2 12/31/12 CC $901.88
    Debt #3 12/31/12 $3648.83

    Madness, mayhem chaos...my work here is done!
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