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  1. 12-29-2008, 08:16 PM #1
    tverhoeff
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    Default Newbie Here in VA

    Hi. My goal here is to learn as much as I can to begin to live a more simplistic life! We have 4 children with two of them graduating this past year. We have a soph. and an 8 year old so we can see that before long our lives will be ours again.
    We haven't been able to save anything for retirement and have a hefty mortgage. But before we can even begin to deal with that we'll have to pay off credit cards, vehicles and student loans. I feel like I'm so far behind but I know that I have to start some where...so here I am.
    Dawn
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  2. 12-29-2008, 08:25 PM #2
    writtenonmybody
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    Hello and welcome!
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  3. 12-29-2008, 09:04 PM #3
    homesteadmamma
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    Hi and welcome to the village.
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  4. 12-29-2008, 09:41 PM #4
    madwaller
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    Wink Welcome

    Hi and Welcome.
    I too am from Virginia.
    I read more than I post, but wanted to say Hi to you since we could be neighbors, lol.
    I know that I have learned tons here!
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  5. 12-29-2008, 09:46 PM #5
    lmbaker520
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    Welcome! VA here too.
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  6. 12-29-2008, 09:58 PM #6
    QM
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    Hi and welcome to Frugal Village from cold, cold Canada. Frugal Village is definately a great place to get many ideas and tips on how to live a more frugal lifestyle. Since becoming frugal, I've found that frugal living is a choice and a lifestyle. It doesn't come very naturally to me, and I think it's partly because we live in a "buy, buy, buy" society. An awesome book that I borrowed from my library is "Total Money Makeover" by Dave Ramsay...it's a great place to start reading (other than this forum, of course!). I'm glad you've joined and look forward to getting to know you better!
    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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  7. 12-29-2008, 10:00 PM #7
    LastDragonfly
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    Welcome from NM
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  8. 12-29-2008, 10:54 PM #8
    angelbumpkin
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    Hi and Welcome!
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  9. 12-29-2008, 11:12 PM #9
    3tomboys
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    Welcome to FV!
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  10. 12-30-2008, 06:55 AM #10
    homemaker66
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  11. 12-30-2008, 07:35 AM #11
    SandNOceanGirl
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    Hello and from Alabama!!
    ~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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  12. 12-30-2008, 07:44 AM #12
    FrugalMomof3
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    to FV!
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  13. 12-30-2008, 08:31 AM #13
    wwe11
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    Hi and welcome.
    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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  14. 12-30-2008, 08:33 AM #14
    ilovechocolate
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    Hi and welcome, Dawn! You have definitely come to the right place. We are all trying to cut expenses and live frugally. You'll learn lots of great tips and ideas here. And the support from all the other Villagers is awesome!
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  15. 12-30-2008, 04:54 PM #15
    pinetree
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    Hi and Welcome!
    Pine trees, with their needles pointing up to heaven, represent everlasting light and life.
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