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  1. #1
    Registered User cottageliving's Avatar
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    Smile Hello everybody - this is my first posting

    I found myself at your site last night, and signed up. So many of you are using the same ideas that I do to save on energy, food, and household costs, and it seems like a supportive group.

    I would like to be involved in the forums, but am not sure what some of the codes are in some of your signatures, how to make the signature, how to list my cc, car, and mortgage balances (is it highest balance and current balance?) or how to get the 'smiles' into my writing.

    Am also guessing what is meant by DH, DD, DS, etc.

    Can someone offer guidance to me so I can comfortably get started?

    Many thanks!!

  2. #2
    Registered User
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    Welcome to the group!

    DH-Dear Husband
    DD- Dear Daughter
    DS- Dear Son

    Those are my understanding of them.

  3. #3
    Moderator nuisance26's Avatar
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    ~Welcome to FV! Use the link USER CP in the upper left of your page. A new page will load with a menu down the left of the page. Click EDIT SIGNATURE to create your signature.~
    ~Constance ~DH ~DS 9~DD 7 ~DD 1
    2012 FLING: 1706 OUT, 293 IN
    MENU PLANNING:4/52
    BLOG POSTS: 3/30
    BOOKS READ:24

  4. #4
    Super Moderator Darlene's Avatar
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    Welcome to the 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
    :



    Become a Fan of Frugalvillage on Facebook!

  5. #5
    Registered User latierra84's Avatar
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    Hi! Welcome to the group! when youre visiting around in the forums, and youre reading a thread, at the bottom theres a "quick reply" box where you can respond to the original post, if you click on the go advance button, theres various smiley's you can chose from and their codes.

    = : turtle :
    marie/andrea dh

    We had a baby! 10/04/11

  6. #6
    Registered User kittykatstrong's Avatar
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    Hello and Welcome.

    Katy

  7. #7
    Registered User PrairieRose's Avatar
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    Howdy and to the village. Just jump in and do it any ol' way you want to. There's no set rule to how you post or what you list in your siggy.

    ~48 yr. old sahw, livin' it up in our empty nest, smack dab in the middle of everywhere.~

    *We're debt freeeeeeeee! (including the house)*



  8. #8
    Registered User kaykwilts's Avatar
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    to the forum.

  9. #9
    Registered User Cricket1's Avatar
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    Welcome! One thing that confused me for the longest time was OAMC, which is Once A Month Cooking.
    Mom to two crazy boys
    and wife to Mr. Wonderful

    "A smile starts on the lips, A grin spreads to the eyes, A chuckle comes from the belly; But a good laugh bursts forth from the soul, Overflows, and bubbles all around." --Carolyn Birmingham

  10. #10
    Registered User cottageliving's Avatar
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    Thanks everybody for the warm welcome and assistance.

    A little about me:

    Late 40s, divorced forever, DD aged 27 and our live with me. Have never been involved in conspicuous consumption or cared about keeping up with the Joneses, but am now challenging myself to be seriously frugal due to necessity. My career has been in mortgage/investment banking, and we all know how well that has been going lately. My work will end today or next Friday...

    What I have put into practice that is working well for me.

    Rarely use the clothes dryer - have a great drying rack that I purchased 10 years ago at IKEA - works wonders, and I've found that my clothes don't get so beat up (and my dryer is a nice one!)

    replaced at least 10-15 lightbulbs in house to energy efficient ones when the old regular ones burned out. Thank God I purchased the new ones while I still had money.

    replaced my OLD dishwasher with new energy star one at same time I had to replace my old water heater with new one (also energy star) - cost a good bit, but got good prices and I've seen the difference in the elec and gas bills. I learned that an energy star dishwasher uses less water and energy to heat the water than hand washing. I splurged and think I've made the right decision. Won't have the money to splurge again though.

    have been preparing all meals at home -- no more eating out.

    Have been making cool-aid in place of soda. (I use 1/2 the sugar and double the water, though)

    Lots of little things that are adding up. getting ready to turn off cable tv...

    actually, that was a LOT about me, but figured I'd get it all out there so you would know me at least a little bit. (I'm also testing my signature - thanks for the guidance).

    am open to ideas.... thanks!
    Jen



    30 yr old DD
    3 kitties (2 adopted from my daughter)


    As of January 1, 2011------------------------ Updated June 10, 2011
    Short term goals:
    - $2,000: to set up my consulting business. DONE! INVESTED ANOTHER $5000!
    - $4,000: down payment gift to daughter to bring her down payment on a house to 20% and avoid PMI. ON HOLD.... her offer wasn't accepted...
    - $1,500: pay off Student loan ALMOST THERE!
    - $1,200: pay off credit card (was disputing with creditor (ALL PREDATORY FEES charged on ZERO BALANCE), but I'm giving up the fight to make this go away...) PUT OFF till June/July
    - $11,600: Pay off Cornerstone car loan by end of May 2011 DONE
    - Complete tax returns by February 15th DONE




    Long term goals:
    Continue to follow a modified Dave Ramsey plan to pay off debt. Progress has been made, but there is much to do...
    Balances January 1, 2011 -----------------June 10, 2011
    Citimortgage on home: $104,500-------- $102,775
    BofA Mtg on Rental: $27,000------------ $26,000(Est)
    HSBC Equity Line on Rental: $11,900------ $9,902
    Citibank car loan: $13,830 -------------- $11,663
    Cornerstone car loan: $11,600------- PAID OFF!!
    Student Loan: $1,500------------------ $320
    Credit card: $1,200-------------------- $1,200

  11. #11
    Registered User lwlynch's Avatar
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    hello and welcome hope you come to enjoy it as much as i do.

  12. #12
    Registered User sdrjeolsen's Avatar
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    Hi Jen, welcome to the village!

  13. #13
    Registered User GMA21's Avatar
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    Hi to the village

  14. #14
    Registered User Drgnfly423's Avatar
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    Hi and

  15. #15
    Registered User FrugalMomof3's Avatar
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    Just wanted to offer a warm welcome and the ladies and gents here are just wonderful

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