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12-30-2009, 05:04 PM #1Registered User
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It's been a LONG time since I've been here!
Hi everyone!
My name is Andrea, and I am ashamed to say I had given up on my frugal lifestyle for a while. DH and I started hanging out with some old friends who are spendthrifts and it was so EASY to get sucked into keeping up with the Jones' again. I'm NOT blaming my friends (even though they don't have the $ to spend either), but it just made it seem like "fun" I guess. That's not an excuse.....it's kind of like peer pressure and we both caved (more me than my husband).
But, you know what? Spending like an idiot (although temporarily...I am now heading back towards frugality) didn't make me ANY happier or more content. Of course, spending itself was fun for a moment, but then you are stuck with the bills and the fact that you're not any closer to your goals. I really want to be debt free and not owe anything to anyone (except Uncle Sam....guess we can't get out of that one).
We're so out of shape right now in ALL areas of our lives that it's hard to know where to even begin. We're both overweight now, the house is a disaster, and our finances are in bad shape.
I was doing so horribly with the bills that DH had to take over and he now gives me an allowance each week of $20. I thought that maybe if I learned how to budget that money, that it would be a good start. For example, what if I took $5 and set it aside each week for clothing, $5 each week for our debt, and $5 for savings. That would leave me $5 for anything else I might want to save up and purchase.
I don't know....I am very discouraged right now because it seems like I have forgotten almost everything I learned here before. Anyway, it seems like I have a lot of work ahead of me, so I will get started and get BUSY instead of wallowing in the past. There's TONS for me to do and read on this site.
Thank you for listening.....
Andrea
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12-30-2009, 06:39 PM #2Registered User
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Welcome back it sure has been a help to me finding fv.
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12-30-2009, 07:41 PM #3Moderator
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- Portland, Oregon area.
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Hi Andrea and welcome back! Glad you're here.
-Suzanne
Challenges:
Pound A Week - 237.2 / 227.8 / 135
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12-30-2009, 08:00 PM #4Master Dollar Stretcher
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Welcome back, Andrea. We all have weak areas in our lives, and we all have relapses. The trick is to recognize it (which you have) and move forward (which you are doing).
The nice thing about life is that it usually gives you a LOT of second chances.
DH aka Mad Hen
(http://mad-hen-creations.blogspot.com/)
June no-spend: 0/15 
June wasted money: $0 
June grocery: $0/400
2012 LAPAW: 8.8/20 
2012 Get-Thee-To-The-Gym Challenge: 7/52
: 1136/66,795 
Run/walk challenge: 91/520 miles
Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) 
(2911 days until retirement)
Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi
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12-30-2009, 08:02 PM #5Founder
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Welcome back.
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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12-30-2009, 08:03 PM #6Moderator aka AmyBob
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Welcome back to the village!
My Blog: http://amysreallife.wordpress.com
Amy
Wife to
Mommy to 4
Public School Teacher
Our Only Debt: Mortgage - $454,243.56
2012 Grocery Challenge: $474.57/$500 January
Fling 2012 Things in 2012 Challenge: 253/2012
Reading Challenge: 6 book read in 2012
Always remember others may hate you, but those who hate you don't win unless you hate them. And then you destroy yourself."
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12-30-2009, 08:07 PM #7Registered User
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Welcome back and look forward to reading your posts!!
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/18
No Spend Challenge
Goal 10/
Accomp/15
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12-30-2009, 08:39 PM #8Registered User
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Welcome back!
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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12-31-2009, 07:49 AM #9Registered User
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Hi, Andrea! Welcome to Frugal Village from Ontario, Canada! You've joined the best forum, IMO. There are so many resources and wonderful people to learn from.
You mentioned that you and your hubby are overweight. The "2010 Lose-A-Pound-A-Week Challenge" is going to be started today. Feel free to jump right in and join the fun. All are welcome, of course!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 (S), 2 (S), 3 (N), 4 (N), 5 (S), 6 (N), 7 (S), 8 (N), 9 (S), 10 (N), 11 (N), 12 (S), 13 (N), 14 (N), 15 (N), 16 (N), 17 (), 18 (), 19 (), 20 (), 21 (), 22 (), 23 (), 24 (), 25 (), 26 (), 27 (), 28 (), 29 (), 30 (), 31 ()
2012 Lose-A-Pound-A-Week Challenge
I have 12.0 lbs to lose (as of Mon, May 14th, 2012)
Personal
Pay off my Morgage
$102,259.86 (as of May 15th, 2012 - 10 years, 1 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
$6,531.97 (as of May 15th, 2012)/$17,790.73 (as of Dec. 3rd, 2011)
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12-31-2009, 11:45 AM #10Registered User
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Thank you for the warm welcome, everyone! I feel right at home again!!!
It is a bit overwhelming to think of where I was then and where I am now, but it's kind of like living a healthy lifestyle....you take one moment and one step at a time. You don't try to do everything all at once, but you use baby steps. I have to remember that I can't run before I learn to walk, or walk before learn to crawl.
QM, thank you for the invite for the weight loss challenge! Actually, I am joining a 30-day challenge in January at the t-tapp forums for inch loss. The t-tapp exercise is GREAT for losing inches and the first prize is an all expenses paid trip to Florida to exercise with the lady who developed it (Teresa Tapp). So, after that, I may jump into the weight loss challenge....sounds like fun!
Happy New Year to everyone!!!
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12-31-2009, 12:04 PM #11Registered User
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Welcome back!
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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12-31-2009, 12:38 PM #12Registered User
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Welcome back! We all fall off the wagon from time to time, the important thing is ur back! I hope u find everything ur looking for, and all frugal luck!
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12-31-2009, 07:24 PM #13Registered User
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Welcome back and what a great way to start the new year.
Cat
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01-01-2010, 01:05 AM #14Registered User
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Welcome back. Glad you returned.
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01-01-2010, 09:48 PM #15Registered User
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Welcome back, Andrea! I'm also a returning member, and I think we all have our ups and downs as life gets in the way. The most important thing is to not give up and get back on track as soon as you realize that you've gone off. Good luck to you; hope you find the help and motivation you need here at FV!
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