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  1. 07-20-2011, 05:59 AM #1
    Greekwife
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    Default Another newbie........

    Hi everyone

    I'm new to this site. I live in Ireland and have been searching for a site that gives tips and advice on how to spend less money doing everyday things.

    Our situation is that there is DH & I and our DS who is 5 and DD who is 2.

    I was made redundant following the my Maternity Leave after having DD and there are no available jobs in my field close enough to home to collect the kids from daycare. DH commutes 1.5 hours each way to work and is frequently required to work overtime for no extra pay and often travels abroad too with work.

    Between my loss of income and DH's paycuts we have lost 60% of our take home household income.

    We have a house (with a mortgage), 2 cars, no loans and live approx 4 hours from my parents and as my Dad is not well we need to make trips twice a month to them.

    DH's family live in Greece a 4 hour plane ride from here and we all go once a year in summer and DH goes alone in winter (it used to be that we all went 3/4 times a year). The summer trip is something we budget for and I would sacrifice a lot to be able to do this as it's the only time his family get to see the kids. We only pay for flights as we stay in a summer house owned by the family and borrow a car while we are there.

    So it's time to get serious about the budgeting.

    I also want to create a small stock pile of basics -not a years supply or anything as we do not have the space to store it but enough that if we get snowed in again this winter that we don't panic. In Ireland the last 2 winters have been bad and we are not used to that. Most people do not have snow tires or chains here. Last winter we were one of the few homes in our area to have water all the time and the stores completely sold out of bottled water.

    Any help and tips appreciated.
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  2. 07-20-2011, 06:53 AM #2
    Russ
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    Hello and welcome to Frugal Village.
    You have come to the right place to look for tips because this place is FULL of them! So start reading and don't hesitate to ask questions.
    Russ

    Truck payments: 10 9 8 7 6 5 4 3 2 1 WAHOO!
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  3. 07-20-2011, 06:56 AM #3
    wwe11
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    Hi and welcome!
    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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  4. 07-20-2011, 07:35 AM #4
    ilovechocolate
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    Hi and welcome to the Village! You'll learn lots here----read the posts and feel free to ask questions.
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  5. 07-20-2011, 09:41 AM #5
    Darlene
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    Welcome to Frugal Village!
    Sorry the economy has thrown you and yours for a loop. Glad you found us and hope we are able to help you find some ideas on how to weather the storm. Hope your Dad feels better soon.
    ~*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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  6. 07-20-2011, 10:12 AM #6
    missyali
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    This is a wonderful place and you will learn soooo much! Look forward to getting to know you!
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  7. 07-20-2011, 12:33 PM #7
    pinetree
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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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  8. 07-20-2011, 12:53 PM #8
    Sara Noel
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    to frugal village.
    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.

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    “A monumental event can happen any day." --Peale
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  9. 07-20-2011, 01:10 PM #9
    jas
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    Hello and welcome!
    Married 22 years to Mark
    Mom to Ryan 25
    Lisa 18 and Yorkie Lexi
    SAHM in Florida

    starting totals
    Mortgage $142,458/$155,000
    -----------------------

    change jar total $95.00
    EF $1000.00

    A friendly reminder Always wear sunscreen!
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  10. 07-20-2011, 08:17 PM #10
    Labontet
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    Glad to meet you. Just about anything you would like to know about, you can find here.
    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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  11. 07-20-2011, 09:01 PM #11
    mh3rdwheel
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    Welcome to Frugal Village.
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  12. 07-20-2011, 10:10 PM #12
    Debbie-cat
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    Hi and welcome! Make yourself at home. Grab a cup of coffee and start searching the forums. They is a ton of information on here!
    Dh Bob FIL
    DS (21) at Lakehead U - go Thunderwolves!


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  13. 07-20-2011, 11:58 PM #13
    frugalfranny
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    Glad you have joined us.
    Travel light. The baggage of the past can only hold you back.

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  14. 07-21-2011, 11:30 AM #14
    gottadance
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    Hi there Irish newbie! I hear Ireland is so lovely - haven't been there myself, but it's on my list of places to visit. You'll find tons of great tips and advice here. Let us know how we can help!
    Goals:
    Lose 25 lbs (exercise at least 3 times/wk/eat healthy)
    Spend less
    Save more $ in ES
    Frugal challenge
    Do three things daily
    One new recipe a week
    Prep for zombie apocalypse
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  15. 11-10-2011, 03:11 PM #15
    Greekwife
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    Hi everyone

    Sorry it's been such a long time. I haven't had much time to be on here since first joined as we went to Greece to see DH's family and then shortly after we got back my Dad got worse and is now fully confined to a wheelchair.

    Unfortunately this means that our savings has taken a battering as I spent some time at home with my folks and the driving up and down costs a fair bit.

    But things have stabilised for now so I want to start again with the budgeting and replenishing the savings.
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