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  1. 11-29-2011, 07:43 PM #1
    cmu
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    Default Starting my 2012 Challenges Early

    So I have been away from the village for a while (hang my head in shame) and I know I need to tighten my belt and be extra frugal in 2012 so I have decided to start my new years challenges now.

    Challenges I am starting right now are:
    Change Jar
    Quarters To Debt
    Penny Jar
    Electric Bill
    Grociery Bill
    No Spend Days (I know I have to spend some tomorrow so this one may have to wait till Thursday to begin)
    COUPONS (I have gotten extra good at thee this year, now I need to track it)
    Line Dry Laundry

    and I'm off to gather all the change in the house lol!
    Grocery Challenge $123.37/200
    MTD Saved on Sales $97.59
    MTD Saved on coupons $53.71
    YTD Saved on Sales $97.59
    YTD Saved on coupons $53.71
    Started 11/29/11 12.30
    Quarters to debt started 11/29/11 31.00
    Challenge started 11/29/11 5.01
    Baby EF 100/1000
    NO Spend Days 0/30
    Fling 152/2012
    Loads of Laundry 19
    $$ made by selling clutter $2.00

    Chrissy 36, DW to Miles, 44 for 17 years
    Mom to
    Katelynn-14
    Kathryn-12
    Miles II- 10

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  2. 12-06-2011, 06:09 PM #2
    NikoSan999
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    Default

    I need to mark the ones I've joined in favorites cause I forget I joined them. Was bad about that after the beginning of the year
    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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  3. 12-06-2011, 06:27 PM #3
    mauimagic
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    Good for you for starting now- will make it easier to make the habits stick!!
    Travel light. The baggage of the past can only hold you back.




    “Decluttering isn't just simplifying your life. It's having a vision, setting new priorities and using those notions to get rid of obstacles.”
    — Peter Walsh
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  4. 12-08-2011, 07:04 PM #4
    cmu
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    So far in the past week I have managed to put a total of $9.88 in my various change jars (pennies, quarters and misc change). Not bad for only 1 week!
    Grocery Challenge $123.37/200
    MTD Saved on Sales $97.59
    MTD Saved on coupons $53.71
    YTD Saved on Sales $97.59
    YTD Saved on coupons $53.71
    Started 11/29/11 12.30
    Quarters to debt started 11/29/11 31.00
    Challenge started 11/29/11 5.01
    Baby EF 100/1000
    NO Spend Days 0/30
    Fling 152/2012
    Loads of Laundry 19
    $$ made by selling clutter $2.00

    Chrissy 36, DW to Miles, 44 for 17 years
    Mom to
    Katelynn-14
    Kathryn-12
    Miles II- 10

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  5. 12-10-2011, 08:10 AM #5
    AspiringToBeFrugal
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    Default

    Quote Originally Posted by NikoSan999 View Post
    I need to mark the ones I've joined in favorites cause I forget I joined them. Was bad about that after the beginning of the year
    Me too! I wrote them down but only recently came across the list.
    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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  6. 12-17-2011, 11:21 AM #6
    cmu
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    in an attempt to reduce my electric bill this year I have spent some time getting the wattages off my different appliances and devices and figuring up how much it costs to run them... not suprising I found that I can run my roaster oven much cheaper than my oven... the oven costs about $3 to run for 1.25 hours and the roaster only about $0.18 so...now I am off to find a bunch of recipes for the roaster. Today I have pulled a whole chicken out of the freezer and we will have roasted chicken for dinner tonight
    Grocery Challenge $123.37/200
    MTD Saved on Sales $97.59
    MTD Saved on coupons $53.71
    YTD Saved on Sales $97.59
    YTD Saved on coupons $53.71
    Started 11/29/11 12.30
    Quarters to debt started 11/29/11 31.00
    Challenge started 11/29/11 5.01
    Baby EF 100/1000
    NO Spend Days 0/30
    Fling 152/2012
    Loads of Laundry 19
    $$ made by selling clutter $2.00

    Chrissy 36, DW to Miles, 44 for 17 years
    Mom to
    Katelynn-14
    Kathryn-12
    Miles II- 10

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