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12-20-2010, 06:25 PM #1
it's 82 degrees outside - Merry Christmas!
I have the air conditioner on! anyone else? houston texas
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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12-20-2010, 06:26 PM #2Registered User
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I'm so jealous !!
Charity Items 3
Change Jar
Christmas 2011 
Books read
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12-20-2010, 06:40 PM #3Registered User
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Not quite that warm here, but pretty nice in the 60's and 70's
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12-20-2010, 06:51 PM #4Registered User
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no, but i sure wish i was somewhere warm! it hasnt gone ofer 20 here for over a week.
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12-20-2010, 06:58 PM #5Registered User
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It's cold here, calling for sleet and snow tonight.
If you want to live a happy life, tie it to a goal. Not to
people or things.
- Albert Einstein
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Life is not always fair. Sometimes you get a splinter even sliding down a rainbow.
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Don't wait for a crisis to look at your finances differently. Look at them differently now and avoid the crisis.
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12-20-2010, 07:02 PM #6Registered User
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I'll take the cold. It's almost Christmas, and it's looks like we might have a white one!
______
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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12-20-2010, 07:05 PM #7Registered User
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thpppppp. That's a no. While I love the warm weather I do like the snow on Christmas Eve and Christmas Day. I think if it could snow those 2 days and be in the 70's at the same time it would be perfect. Only 90 more days until spring.
Cat
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12-20-2010, 07:52 PM #8Registered User
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NOT!!
Had snow all weekend......and about 20 F right now.......looks like we might have a white one.........then more rain this weekend.
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12-20-2010, 11:12 PM #9Registered User
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It's been waaaay colder than normal here... in the 30s all month when normally it is in the mid to upper 40s.
We keep the heat turned down, we just can't afford to turn it up. I think it's gonna be a long winter LOL!! How many days did you say.... 90? until spring? Ugh!
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12-21-2010, 12:19 AM #10Registered User
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I don't have the a/c on right now because it's in the 60s, but I've hardly used the heat at all this winter. I've had to turn it on a three or four time for an hour or so in the morning to take the chill off the apartment, but I've only seriously needed it one day when it was in the 40s with a 30 mph wind. It bounced back up to 70 in a couple of days.
I just wish it would either get cold or stay warm. In the course of week I go from shorts, to fleece sweats, back to shorts!Donna
Use It Up 2012:
Lapghans: 5
Baby afghans: 1
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12-21-2010, 02:04 AM #11Registered User
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Nope, snow's expected here on Christmas.
To tell you the truth that temperature sounds wonderful right now. Along with a sandy shore, and a Mi tie in hand. Looking for a bit of escapism right now.~~~
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"Whoever said you can't buy happiness forgot about little puppies." -- Gene Hill
"A woman's heart should be so hidden in God that a man has to seek Him just to find her."
— Maya Angelou
"God has the right, and does not require my permission, to rearrange my life to achieve His purposes."– Anonymous
Live in harmony with each other. Don't be too proud to enjoy the company of ordinary people. And don't think you know it all!
~ Romans 12:16, NLT
The art of being wise is knowing what to overlook.
William James
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12-21-2010, 02:05 AM #12Registered User
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Nice, Merry Christmas!!
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12-21-2010, 06:15 AM #13Registered User
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Right now it is 19 degrees here. Like somebody else said on this thread I am so jealous!
No spend challenge: 10/30
No eat out challenge: 0/31
frugal challenges
2012 reading challenge: 4/12
April coups: $10
EF: $736.00
2nd EF: $7000:lemon
Waste no more food challenge
NO DEBT except MORTGAGE! $9950.54
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12-21-2010, 06:18 AM #14Registered User
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Not yet, but I also live in central Fla near Tampa. Who knows, by the end of the week will probably have to pop the AC on for a little while.
Gotta love that Fla weather.Hello from Sunny Central Florida
Cheryl
Gardening in zone 9B
~If the sight of the blue skies fills you with joy, if a blade of grass springing up in the fields has power to move you, if the simple things of nature have a message that you understand, rejoice, for your soul is alive. ~ Eleonora Duse
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12-21-2010, 09:11 AM #15Registered User
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No A/C here either. It has been cooler than usual here in sunny Florida. Snow is beautiful when it is acturally snowing and a few days afterwards, but after that I have to have my warmth back. I guess I have lived in Florida too long now (34 yrs) to be able to tolerate the cold for very long.
Married 22 years to Mark
Mom to Ryan 25
Lisa 18
and Yorkie Lexi
SAHM in Florida
starting totals
Mortgage $142,458/$155,000
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change jar total $95.00
EF $1000.00
A friendly reminder Always wear sunscreen!
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