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  1. 09-16-2009, 07:17 PM #1
    Freelance Frugal
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    Default Pay Cuts and Low Places

    Hi everyone!

    Quite obviously, I'm new around here. I typed 'frugal living web board' into Google and this is what I found. A live, active web community full of frugal people. How fantastic is that?

    I'm going to admit something: After several years of good financial fortune (not riches, just the ability to sleep at night because the bills are paid) the recession has caught up to us. I'm a stay-at-home-mom in my 30's with three boys ages 12, 6 and 2. I love my life, I love my husband (12 years and counting!) and life is good.

    Except for the pay cut he had to take, and the debt we're now accumulating, that is. We're way up there and it's becoming unmanageable. After burying my head in the sand for a few months I'm starting to see that we really need to get our financial life in order or we're going to be in a lot of trouble very soon.

    The first step? We need to learn a more frugal way of living. That's why I'm here! We need to reduce our expenses where we can and increase our income if possible. Step 2 is making a living as a freelance writer (I hear it is possible!) so I can work from home without the expenses incurred from a job outside the home.

    So there you have. My life in a nutshell right now. It's stressful, we're arguing far more than I'd like, and my kids' birthdays are coming up - all three before Christmas!

    You may, occasionally, have to remind me to breathe

    Anyway, thanks for letting me introduce myself. I hope to get a lot from the boards and, once I start learning a little more, give a lot back.

    Take care!
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  2. 09-16-2009, 07:38 PM #2
    never2late
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    Welcome to the Village. Sorry to hear of your situation. I think you'll find lots of helpful advice here.
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  3. 09-16-2009, 07:56 PM #3
    auntie2many
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    Default Welcome

    Welcome to FV. There is a good finance and money section with a new moderator Greebo. Look around and best wishes to you in turning your finances around.
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  4. 09-16-2009, 08:12 PM #4
    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.

    Follow us on Twitter!


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    Family blog: Sign Saga!


    “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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  5. 09-16-2009, 09:49 PM #5
    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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  6. 09-17-2009, 12:24 AM #6
    MaryCarney
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    Welcome from Indiana!! You've come to the right place!
    Mary Carney Working the night shift 'cause they never have meetings at 3am!
    DD Sarah 32
    DD Rosanne 28
    DS Benjamin 18
    DD Kathleen 17
    Married to David since 1975



    Starting grad school September 1, 2010 in pursuit of MSN degree.
    MSN degree completed on 4 May 2012 with NO DEBT!
    Total cost (including books) = $8375.
    Weight loss on Weight Watchers since June 1= 18.8#
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  7. 09-17-2009, 01:39 AM #7
    beverlyhouts
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    Welcome from Ohio!
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  8. 09-17-2009, 02:17 AM #8
    frugalfranny
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    Welcome aboard.

    Glad you joined us and looking forward to hearing from you on the various posts.
    Travel light. The baggage of the past can only hold you back.

    January Book List
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  9. 09-17-2009, 04:36 AM #9
    phoeny_moonstar
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    Welcome to the village!
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  10. 09-17-2009, 05:08 AM #10
    Greebo
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    Welcome aboard! If you look under the "Money" section under "Debt Reduction and Money Management" you can find a lot of helpful advice on budgeting, cost reduction and the like - and if you're willing to share some specifics, you can get custom tailored advice as well.

    Oh and there are a few other forums here have occasional good stuff on wise use of your time and money as well...sometimes...

    Greebo runs away before the other FVers can throw rotten fruit at him...
    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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  11. 09-17-2009, 05:22 AM #11
    Lora88
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    Welcome from New Jersey
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  12. 09-17-2009, 06:09 AM #12
    wwe11
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    Welcome from sw Ohio.
    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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  13. 09-17-2009, 08:30 AM #13
    beks37
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    Welcome from Kansas


    Married to George {married 9/23/11}
    Step-Mom to Connor {8}, Ethan {7}, Rylin {5}, Adri {3}
    Dog Mommy to Ruby & Raven-{7}
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  14. 09-17-2009, 08:55 AM #14
    jlaporte
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    welocme from florida! i understand ur situation and u have come to the right place!!!!!! you will find much usefull info here. i think i can safely say u will get much advice and opinions as well all have much to share. welcome again and good luck!
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  15. 09-17-2009, 09:23 AM #15
    Monner 1
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    Welcome from upstate NY. You have landed in the right place to get help.

    Monner
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