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  1. 05-25-2010, 03:47 PM #1
    psriley3303
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    Default Learning to be frugal

    Hello everyone. I wanted to come in and introduce myself, as I just signed up with Frugal Village today. I am a stay at home mom/full time student. I have been married for 8 years and we have two children, 8 and 6. I have been interested in money saving tips for a while, but I seem to fall off the bandwagon really easy. I did do the coupon game a couple of years ago, but it seemed silly to spend money on a program that helps me save money. I must admit that I did see savings, but I spent more on gas driving from store to store and buying things that I really didn't need.

    I recently lost my job in November so I am trying to work with only having one income again, which has been very tough. I have looked through a lot of the website and trying to soak it all in.

    I am open-minded to any suggestions, post, or ideas you would like to share to get me in the frugal mind set!

    I look forward to being frugalized!
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  2. 05-25-2010, 04:13 PM #2
    QM
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    Hi and welcome to Frugal Village from Ontario, Canada! This is the place to be if you want to learn lots of frugal tips and chat with like-minded frugallers. Glad you joined!
    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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  3. 05-25-2010, 04:38 PM #3
    piney
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    Hi and welcome from Arkansas
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  4. 05-25-2010, 04:42 PM #4
    ilovechocolate
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    Hi and welcome from Georgia! We're glad you've joined us at the Village.
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  5. 05-25-2010, 04:49 PM #5
    shoiji
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    Welcome. I personally like the coupon mom website. Makes couponing really easy. And it is free.
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  6. 05-25-2010, 06:05 PM #6
    ladykemma2
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    take what you like and leave the rest. couponing doesn't work for me either!
    11% gross to retirement
    10% takehome to tithe and offerings
    emergency fund maintained at 3000(works for me)
    credit card debt 7500
    mortgage free
    freedom accounts/sinking funds that ebb and flow
    then live on the rest!

    i am trying something new. LDS church advises savings or debt repayment should be the same as the tithe. 10% each.

    "i create prosperity, abundance, and savings for me and my household"
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  7. 05-25-2010, 06:15 PM #7
    mek42
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    Hiyas!
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  8. 05-25-2010, 07:24 PM #8
    baxjul
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    Hello and welcome!
    6 yr. Breast Cancer Survivor!
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  9. 05-25-2010, 08:57 PM #9
    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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  10. 05-25-2010, 09:17 PM #10
    KentuckySaver
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    Welcome and you are at the right site to learn to be frugal. These people don't just talk the talk they walk the walk.
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  11. 05-25-2010, 11:47 PM #11
    jantana
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    Hello from Texas, welcome to the Village.
    Jan

    Married to hubby, Rick 35 years *Mom to 3 grown children
    Grannie to 6 boys
    Foster parent to 50+ kids and counting
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  12. 05-26-2010, 01:14 AM #12
    Elizabeth CM
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    Welcome from Chicago!

    Being on a forum like this is an excellent way to stay accountable for your goals. I've picked up sooooo much advice, encouragement, and great ideas here and hope it does the same for you, too!

    I think the best lesson I got here was about budgeting, on purpose. I've ended up using Mint.com, but I don't know that the method matters. Writing down a budget that makes sense and living on it is the hardest skill - but all things become possible once you pull it off.
    - Elizabeth
    Though no one can go back and make a brand new start,
    anyone can start from now and make a brand new ending.
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  13. 05-26-2010, 03:11 AM #13
    Megareader
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    You're a SAHM and a full time student? Those are both full time jobs! Welcome from Nebraska!
    On 11-22-85 I married the man of my dreams.
    On 01-13-89 I gave birth to the love of my life.
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  14. 05-26-2010, 06:10 AM #14
    leighcat
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    Welcome There are a couple books you could try reading: The Complete Tightwad Gazette by Amy Dacyczyn and Miserly Moms by Jonni McCoy. I found them both very helpful.
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  15. 05-26-2010, 06:19 AM #15
    ladytoysdream
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    Glad you joined us
    Lots of good reading here. And if you don't find what you need, don't be afraid to ask a quesiton.
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