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  1. 06-25-2009, 12:59 PM #1
    Rangia
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    Default New from Overseas

    Hello All

    I am a SAHW and have been married 13 years. I used to be quite frugal but I have gotten way to relaxed lately. So I need to step it up.

    I just moved from New Zealand where my husband got his bachelors last year to Germany in January and accrued credit card debt of 6,575 Euros. DH and I have been debt free for 8 years, so disappointed but we needed new appliances and to renovate the house we moved in to make it live able.

    To top it off, he had to take a 15% pay cut starting next month so hopefully the company he works for will not go bankrupt. So I am trying to pay off this CC debt while refurnishing our EF.

    Wishing everyone a beautiful day.
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  2. 06-25-2009, 02:07 PM #2
    frugalfranny
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    Hi Rangia......WELCOME TO FV!

    Stay active and we can help get you back on the frugal track!

    Very jealous that you got to live in NZ. I loved it. Very clean and pristine, not to mention the WONDERFUL people! Is this your 'home country'?
    Travel light. The baggage of the past can only hold you back.

    January Book List
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  3. 06-25-2009, 02:21 PM #3
    Sara Noel
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    to frugal village.
    If you'd like to help support Frugal Living by Sara Noel, my syndicated column, e-mail, write, or call the managing editor at your local newspaper and ask them to publish it in print or online. It's internationally syndicated through Universal Uclick. Thank you for supporting Frugal Village.

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    “A monumental event can happen any day." --Peale
    "Leap and the net will appear.” --John Burroughs

    Would the child you once were be inspired by the adult you've become?
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  4. 06-25-2009, 02:43 PM #4
    Rangia
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    I am American, I grew up in Oklahoma. My husband though is German. He went to High School though in Oklahoma. We moved originally to Germany in 1998 and are now back.

    NZ was beautiful but didn't fit our lifestyle. Oh well, Europe has many advantages as well.
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  5. 06-25-2009, 05:44 PM #5
    strezzed
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    to FV, Rangia!
    I'm jealous of you for both NZ and Germany. I have friends in Germany and they seem to be very happy with the lifestyle there.
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  6. 06-25-2009, 09:43 PM #6
    ilovechocolate
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    Welcome, Rangia! We're glad you've joined us at the Village.
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  7. 06-25-2009, 09:47 PM #7
    frugalwarrior
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    Hi Rangia,Welcome from MIchigan. A move can kill your finances. Especially when you don't know the area for deals. You'll get it back under control.
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  8. 06-25-2009, 09:47 PM #8
    Debbie-cat
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    Hi and welcome from Minnesota!
    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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  9. 06-25-2009, 09:56 PM #9
    gapeach
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    Welcome from Atlanta, Georgia
    Married to DH 19 years
    Pet Mom to Miss Sassy and Samson

    2012 Challenges:
    Self Image
    Pantry and Freezer Challenge
    March No Spend Days 3/10
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  10. 06-26-2009, 08:36 AM #10
    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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  11. 06-26-2009, 09:39 AM #11
    dean
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    Hi and welcome from PA
    frugalcountrylady.blogspot.com
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  12. 06-26-2009, 10:49 AM #12
    Monner 1
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    Welcome to the Village from upstate NY.

    Monner
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  13. 06-26-2009, 11:34 AM #13
    larabelle
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    Welcome from Texas
    Baby Step #1 Done!
    Baby Step #2 Beginnning debt balance 01/01/08 $78K /Paid in full on 08/06/10
    I'm debt freeeee............ GOD IS SO GOOD!!!
    Baby Step#3 Goal: One year emergency fund began saving Jan 2011 accumulated Aug 2011 YIPPEE!!! God is sooo good to me!!!
    Baby Step #4 Yep currently doing this.
    Baby Step #5 No kids so no need.
    Baby Step #6 Renter.. Working on putting 100% down on a house!!! Currently have 25% saved.
    Baby Step #7 Someday.......
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  14. 06-26-2009, 12:00 PM #14
    cab54
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    Hi, Rangia--from upper Michigan.
    ______
    Cheryl

    "I am still determined to be cheerful and happy in whatever situation I find myself. For I have learned that the greater part of our misery or unhappiness is determined not by our circumstance, but by our disposition." -------Martha Washington
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  15. 06-26-2009, 01:34 PM #15
    Dutchie
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    Welcome to the village.
    I am just across the border from you in Holland.
    *Avril*



    Mom to Laurens (30), Timothy (26), Dimmen (24), Lloyd (23) and Fiori (21).

    May - no spend days 8/15
    May - hanging laundry loads 3
    May - no eat out 13/15
    May - baking 1/1
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