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  1. 02-09-2011, 12:34 PM #1
    momof2joys
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    Default It's been awhile, but I'm back!

    It's been a very long time since I even lurked the posts of FV, and during that time a lot has happened! I am currently going through a divorce and learning to live a whole new life!! Since moving into my own place 3 1/2 months ago, I find myself going back to the notes I have made about the many things I have learned here!!

    And so here I am!! LOL!! I just want to say thank you to all of you, if it wasn't for you guys being there (almost over a year ago) to teach me the things I know now, I would probably not be able to do what I am right now!!

    I am supporting my two kids, on a part-time $7.50/hour job bartending, I am also a consultant for Scentsy wickless Candles, which is a varied income, but because of what I have learned here, I have been able to make rent, pay my bills, and still have a little fun!

    My new motto has become, New year, New Life, New ME!!! I don't own a checkbook, only a debit card, which is only used for my Scentsy business, everything else is paid for with cash! Therefore no cash can't buy it! I am slowly trying to work on paying off my debt, which is around $6,500 (that includes student loan and my car).

    I want to say thank you for all the support in the past and all the support I am sure I will recieve in the future! I am so excited to be back and learn and see all the things you creatively frugal people have come up with!

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  2. 02-09-2011, 12:54 PM #2
    piney
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    Welcome back
    challanges for 2012
    Grocery budget challange $200.for grocery,Hba,& stockpiling,each month.
    May,no spend days challange 20-5/8
    1-26/2-18/3-26/4-24/
    change jar
    1-2012 Grocery,hba,stockpiling $168.46
    2-2012 ''''''''''''''''''''''''''''''''''''''''''''''""""$160.42
    3-2012 """""""""""""""""""""""""""""$136.52
    4-2012"""""""""""""""""""""""""""""""$97.97
    5-2012''''''''''''''''''''''''''''''''''''''''''''''''''''''''
    2
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  3. 02-09-2011, 12:58 PM #3
    frugal is fun
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    welcome back!
    Judy


    never loose site of the big picture
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  4. 02-09-2011, 01:13 PM #4
    Sassyclass
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    Welcome back, glad you are not caving in and are standing your ground in the finance department.

    Cat
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  5. 02-09-2011, 01:52 PM #5
    pinetree
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    welcome back!
    Pine trees, with their needles pointing up to heaven, represent everlasting light and life.
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  6. 02-10-2011, 11:51 PM #6
    AspiringToBeFrugal
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    Glad you're back here and are thriving in this new life of yours. Best of luck going forward!
    May Goals:
    Only $300 for groceries this month - $206/$300
    Monthly coupon/valued customer savings = $14.08
    No wasted food!
    Stick to budget!
    Track spending DAILY
    Get checkbook balanced
    Save $200 toward EF: $85/$200

    2012 FV Challenges: Try New Recipes Challenge: 22/52, Menu Planning Challenge: 21/52, Grocery Reduction Budget Challenge, Change Jar Challenge: $27.81 as of 1-14-12, Lose A Pound A Week Challenge: 3/48, No Wasted Food Challenge

    2012 Goals

    1. To pay off CC (only $917.15 left!) and never again charge more than I can pay off each month.
    2. Snowball the CC payment into Sears Credit Card bill (no interest) and get it paid off ASAP.
    3. Snowball the CC and Sears card payments into hospital bill (due w/ Baby #2 via C-section in mid-January). Pay that off ASAP.4. Snowball payments into DH's student loan (as of 12/4/11 there's still $4770.84 remaining). Pay off by 12/31/12.
    5. Keep our grocery budget to $300 each month.
    6. Use Dave Ramsey's budget sheet and get on track with this each pay period.
    7. Get and keep checkbook balanced and keep an eye (weekly if not daily) on our e-statements.
    8. Get savings account up to $8,000 (incl. emergency fund)
    9. Make 2 Christmas gifts per month: 0/24.
    10. Get our home organized: use a receipt book, keep my coupon organizer in check, have a touch-once policy for paper (touch once and then file or toss).
    11. Achieve "give or get" goal of $1500 for the board I serve on by 9/30/12.
    12. Taxes filed by March 17.
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  7. 02-11-2011, 11:02 AM #7
    HappyMama
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    Welcome back!
    *Angel*

    Dave R. Plan
    Step one - Done
    Step two-Done
    Step three-Done
    Step four-Done
    Step five- Working on
    Step six- almost done
    Living debt free except the mortgage and working on that !!!

    Be content with what you have;
    Rejoice in the way things are,
    When you realise there is nothing lacking,
    the whole world belongs to you.

    -Lao Tzu

    Have Courage
    “Whatever course you decide upon, there is always someone to tell you that you are wrong. There are always difficulties arising which tempt you to believe that your critics are right. To map out a course of action and follow it to an end requires…courage.” Ralph Waldo Emerson

    "I've learned that you shouldn't go through life with a catcher's mitt on both hands; you need to be able to throw some things back..." Maya Angelou

    "Choose a job you love and you will never work a day in your life." (Confucius 551-478 BC)
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  8. 02-11-2011, 11:05 AM #8
    Debbie-cat
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    Welcome back and glad that you are so positive and happy in your new life!!!
    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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