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03-29-2011, 08:16 AM #1Registered User
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- Mar 2011
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Just signed up!
Hi there...My name is Janine and I consider myself new to the frugal way of living...okay just started living this way the end of December lol. I have started making my own cleaners,buying used clothing off ebay, shopping the wholesale club for food/household items,and just cutting back in general...but know you have tips on how to cut back further. My DH(Kevin) and I have lofty retirment goals...which require Us to put away 4000.00 a month for the next 20 years(net income is 8250.00 per month)...these payments start after our home is paid off next December...so we figure we better learn to manage our income before the big change. I look forward to meeting others with the same mindset. Thanks for reading. Janine
ETA: Missed the questionaire...so a bit about myself...I'am married to Kevin since 2002 with a little girl named Sophia who is 4. We love the lake and hope to own a lake property to retire to when the time comes. I enjoy singing,boating,reading, and playing with Sophie. I hope to offer support to other on this site, or at least a friendly opinion. No pets here...but am a cat person at heart.
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03-29-2011, 08:24 AM #2Registered User
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- lancashire UK
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and hi x
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03-29-2011, 08:43 AM #3Super Moderator
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- Oct 2002
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- Upstate NY
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Welcome to Frugal Village!
~*Darlene*~
Live Well~LaughOften~Love Much
"Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around."
Leo Buscaglia
2012 Challenges
Books Read: 43
:
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03-29-2011, 10:31 AM #4Registered User
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- Sep 2009
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- Usa
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To frugalvillage
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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03-29-2011, 10:39 AM #5Super Moderator
- Join Date
- May 2008
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- Michigan
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Welcome to Frugal Village!
Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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03-29-2011, 10:45 AM #6Registered User
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- Dec 2008
- Location
- Minnesota
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Hi and welcome to FV! Make yourself at home.
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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03-29-2011, 01:14 PM #7Registered User
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- Jul 2010
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hi and welcome. TC
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03-29-2011, 01:38 PM #8Registered User
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- Oct 2006
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- Colorado
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Hi and Welcome!
Pine trees, with their needles pointing up to heaven, represent everlasting light and life.
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03-29-2011, 01:42 PM #9Registered User
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- May 2009
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- Florida
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Hi and welcome from Florida! Hope your stay is a pleasant one.
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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03-29-2011, 06:57 PM #10Registered User
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- Jul 2007
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- North Carolina
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Hi and welcome!!
If You Find Yourself Dancing In The Rain
You Have Been Blessed
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03-29-2011, 06:58 PM #11Registered User
- Join Date
- Nov 2007
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- On a Cloud in the Midwest
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Welcome to Frugal Village!
*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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03-29-2011, 07:46 PM #12Registered User
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- Jul 2006
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- Texas
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Welcome!
~ Michelle
Wife to DH--
Mom to DS--
and DD--
Avatar picture--Taken at Comanche Lookout Park, San Antonio,Tx. April,2010
Mortgage -- $53,077.24
March Emergency Fund Challenge-- $100 /$200
----------------------
"The time to save is now. When a dog gets a bone, he doesn't go out and make a down payment on a bigger bone. He buries the one he's got." --Will Rogers
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03-29-2011, 07:52 PM #13Moderator
- Join Date
- Jan 2007
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- I.O.W.A.!!!!!
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Hi..... and welcome!
:
Traci
dh 20 years
ds 14 ~ Russia
ds 14 ~ Russia
dd 6 ~ China
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03-30-2011, 09:44 AM #14Registered User
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- Aug 2006
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- Ontario Canada
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Hi and welcome!!! FV has lots of great advice and lots of nice supportive people.
2012 Challenges
Pay way down my CC~2,721.51
ER~0/500 (starting low because of low income)
loose weight goal is 40
Read 0/50 books
Learn simplicity and mindfulness
Jan spend days 2/31
Feb spend days 0/29
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03-31-2011, 08:21 AM #15Registered User
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- Jul 2007
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- NW Ohio
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Hello, and welcome!!
______
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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