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  1. 10-07-2009, 05:24 PM #1
    AspiringToBeFrugal
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    Default An extra $14 per month!

    I called my electric/gas company today and found out that my monthly bill (we're on the budget billing plan where I pay the same amount each month) is going down by $14 starting with October!!!! It's not much but every little bit helps! Now to decide...where oh where will I put that money? I'm thinking I'll snowball DH's student loan and then when that's paid off add it to savings. YAY!!!!!!!!!!!!!
    May Goals:
    Only $300 for groceries this month - $206/$300
    Monthly coupon/valued customer savings = $14.08
    No wasted food!
    Stick to budget!
    Track spending DAILY
    Get checkbook balanced
    Save $200 toward EF: $85/$200

    2012 FV Challenges: Try New Recipes Challenge: 22/52, Menu Planning Challenge: 21/52, Grocery Reduction Budget Challenge, Change Jar Challenge: $27.81 as of 1-14-12, Lose A Pound A Week Challenge: 3/48, No Wasted Food Challenge

    2012 Goals

    1. To pay off CC (only $917.15 left!) and never again charge more than I can pay off each month.
    2. Snowball the CC payment into Sears Credit Card bill (no interest) and get it paid off ASAP.
    3. Snowball the CC and Sears card payments into hospital bill (due w/ Baby #2 via C-section in mid-January). Pay that off ASAP.4. Snowball payments into DH's student loan (as of 12/4/11 there's still $4770.84 remaining). Pay off by 12/31/12.
    5. Keep our grocery budget to $300 each month.
    6. Use Dave Ramsey's budget sheet and get on track with this each pay period.
    7. Get and keep checkbook balanced and keep an eye (weekly if not daily) on our e-statements.
    8. Get savings account up to $8,000 (incl. emergency fund)
    9. Make 2 Christmas gifts per month: 0/24.
    10. Get our home organized: use a receipt book, keep my coupon organizer in check, have a touch-once policy for paper (touch once and then file or toss).
    11. Achieve "give or get" goal of $1500 for the board I serve on by 9/30/12.
    12. Taxes filed by March 17.
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  2. 10-07-2009, 05:58 PM #2
    Maine Girl
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    congrat!!! Every little bits helps.
    Steph


    FY 2012
    10/40 books read
    working at paying off cc one $ at a time.
    $2963.00 CC balace as of 05/19/12
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  3. 10-07-2009, 06:31 PM #3
    mauimagic
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    Good for you!! It shows how on top of things that you really are!! It does all add up.
    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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  4. 10-07-2009, 11:47 PM #4
    Debbie-cat
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    Good for you! $14 is better in your pocket than theirs!
    Dh Bob FIL
    DS (21) at Lakehead U - go Thunderwolves!


    www.ouroldhomestead.blogspot.com

    2012 Exercise Challenge - 5,358 min
    2012 Water Challenge - 7,330 oz
    May No Spend Days - 0 /20
    Wasted money - May total - $0
    2012 Change Jar - $ 37.20
    No Eat Out - 114 /365
    2012 Reading Challenge - 3 /12
    2012 Home Project - May - 4 totes 0 /4, organizing laundry room
    20 Wishes Challenge - 3/20
    12,400 /36,500 squats
    2012 Coupon Challenge - $416.06
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  5. 10-08-2009, 12:15 AM #5
    frugalfranny
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    Way to go......and a plan for it already....super!
    Travel light. The baggage of the past can only hold you back.

    January Book List
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  6. 10-08-2009, 07:16 AM #6
    Sassyclass
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    Good for you. It may not sound like much but it will go a long way on paying that loan off.

    Cat
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  7. 10-08-2009, 07:28 AM #7
    wwe11
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    Default

    Way to go!!
    2012 Debt Reduction

    (cc#1) Kohl's- P.I.F. (closed)!!!!

    (cc#2) Chase- P.I.F. (closed) !!!!!

    (cc#3) capital one(mine)- $741.37 /$731.34

    (cc#4) amazon-$1,458.47 / $863.94

    (cc#5) Kohl's - $606.29 / $687.16(CLOSED!)

    (cc#6) capital one(His)- $615.93 /$673.97

    (cc#7) CHASE (HIS)- $1,985.14 / $1,055.85

    (cc#8) Lowes(His)- $3,355.71 / $2,592.42


    (cc#9) Tractor Supply(his)- $3,981.05 / $3,729.95

    (cc#10) Visa(mine)- $918.12 / $1,021.83(CLOSED!)

    (cc#11) Home Depot(his)-$3,796.87 / $3,375.31

    (cc#12) Capital One(mine)- $2,991.98 / $2,967.94

    (cc#13) Micro center- $743.61 / $755.60

    car pyment- $16,245.30 / $17,773.46

    house pymnt- $76,973.95 / $81,360.00




    $0
    $14.00 EF
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  8. 10-08-2009, 07:51 AM #8
    rebecca
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    Congratulations! I know how you feel! Mine went down $22 a month starting in May.
    No spend challenge: 10/30

    No eat out challenge: 0/31

    frugal challenges

    2012 reading challenge: 4/12

    April coups: $10

    EF: $736.00

    2nd EF: $7000:lemon

    Waste no more food challenge

    NO DEBT except MORTGAGE! $9950.54
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  9. 10-08-2009, 08:37 AM #9
    Lora88
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    Thats awesome for the both of you
    Married to DH Manny 22 years


    Mom to DS Rob dil Kelly Ds Tom DD Jen soninlaw Jason DS Manny jr

    Furbabies Foxy and Loki
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  10. 10-08-2009, 08:50 AM #10
    NikoSan999
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    Default

    Fantastic, as Debby said better your pocket than theirs!
    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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