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Thread: Back again :)

  1. 12-05-2008, 07:49 PM #1
    cmu
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    Default Back again :)

    Well, I have been MIA for a while, been busy, but after facing a possible foreclosure on our 3 year old home I am back and ready to tighten up!

    We are barely working our way out of foreclosure (we have 1 payment left on our "Special Forbearance Plan" due on 12/30) after that is over the mortgage company is going to take what we are behind and put it at the end of our loan (thank goodness!!, I was really affraid of loosing the house)

    We have 1 personal loan in collections and are making monthly payments of $200 on that, which we will be paying off when we get our tax return in 09.

    Other than that we really only have our normal month to month bills. I did switch our cell phone plan to a lower cost plan and we have not gone over our minutes allowed (plus DH's job pays $50 per month of that cause he uses his phone for work too)

    I have started buying food monthly from Angel Food Ministries (this is awesome, check out there site and see if there is a host site close to you) www.angelfoodministries.com . I also made a spreadsheet which I update with a meter reading every couple days, put in how many days of use we have used and how many remaining, it will tell me the expected use for the month. I also plug in the monthly totals from our bills so I can see exactly how much our utilities are costing us (so I can make cut backs) I have started getting my coupons clipped again so that I can take advantage of really good sales.

    These are just a few of the things I have done or am doing. I am looking to do more this year.
    Grocery Challenge $123.37/200
    MTD Saved on Sales $97.59
    MTD Saved on coupons $53.71
    YTD Saved on Sales $97.59
    YTD Saved on coupons $53.71
    Started 11/29/11 12.30
    Quarters to debt started 11/29/11 31.00
    Challenge started 11/29/11 5.01
    Baby EF 100/1000
    NO Spend Days 0/30
    Fling 152/2012
    Loads of Laundry 19
    $$ made by selling clutter $2.00

    Chrissy 36, DW to Miles, 44 for 17 years
    Mom to
    Katelynn-14
    Kathryn-12
    Miles II- 10

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  2. 12-05-2008, 07:56 PM #2
    homesteadmamma
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    Default

    Welcome back.
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  3. 12-05-2008, 08:28 PM #3
    PrairieRose
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    back....nice to see you again.

    ~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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  4. 12-05-2008, 09:10 PM #4
    Mom23boys
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    Welcome back! Glad things are looking up for you!
    ~*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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  5. 12-05-2008, 09:21 PM #5
    kittykatstrong
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    Welcome back!
    Katy
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  6. 12-05-2008, 10:37 PM #6
    IntlMom
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    glad you're back
    :

    Traci

    dh 20 years
    ds 14 ~ Russia
    ds 14 ~ Russia
    dd 6 ~ China
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  7. 12-06-2008, 08:00 AM #7
    FrugalMomof3
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    Glad your back and to hear things are turning around for you! Keep us updated.
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  8. 12-06-2008, 08:01 AM #8
    SandNOceanGirl
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    Welcome back!!
    ~Debra~
    Wife to Jeff

    2011 Challenges
    Reading Challenge: 45/100
    ~Currently Reading: An assortment of Love Inspired Books
    Gardening: Zone 8



    "All that we send into the lives of others comes back into our own"
    ~Anonymous
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  9. 12-06-2008, 08:32 AM #9
    BlessedMomof2
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    Welcome Back!!
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  10. 12-06-2008, 09:36 AM #10
    Darlene
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    :welcomeback: Glad you've got your plan in action & things are looking up.
    ~*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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  11. 12-06-2008, 10:12 AM #11
    QM
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    Welcome back!
    An obstacle is what comes up when you lose sight of your goal.

    Daily Fix It, Sort It, or Clean It Challenge

    May No-Spend: 9/12 "A penny saved is a penny earned!"
    1 (), 2 (), 3 (), 4 (), 5 (), 6 (), 7 (), 8 (), 9 (), 10 (), 11 (), 12 (), 13 (), 14 (), 15 (), 16 (), 17 (), 18 (), 19 (), 20 (), 21 (), 22 (), 23 (), 24 (), 25 (), 26 (), 27 (), 28 (), 29 (), 30 (), 31 ()

    2012 Lose-A-Pound-A-Week Challenge
    I have 8.2 lbs to lose (as of Mon, May 28th, 2012)

    Personal
    Pay off my Morgage
    $101,927.57 (as of May 28th, 2012 - 10 years, 0 months left...partly because we got a new interest rate )/$108,631.38 (as of Dec. 3rd, 2011 - 12 years, 7 months left)
    Pay off my Line of Credit
    $6,977.26 (as of May 28th, 2012)/$17,790.73 (as of Dec. 3rd, 2011)
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