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  1. 12-30-2011, 08:24 PM #1
    AspiringToBeFrugal
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    Default I Did It--Paid Off Credit Card!

    Well call it an early New Year's present to my family but I did it! I paid off our credit card balance IN FULL today! So New Year's Goal #1 has been ACHIEVED!!!!!!!!!!!!

    Now on to snowballing that payment into the next item on 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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  2. 12-30-2011, 08:31 PM #2
    Palooka
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    Default

    Woohoo! Congrats! Way to start the year out.
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  3. 12-30-2011, 09:18 PM #3
    Ceashels
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    Default

    !WTG!


    That's the way to roll!. hehehe
    The Free Spirit Saver who walks the path with Greebo.

    Onboard with a modified Dave Ramsey Plan
    Budget: "Every month! On paper, on purpose!"


    Gardening somewhere between Zone 6b and 7a.
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  4. 12-30-2011, 09:34 PM #4
    ncarr
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    AWESOME!!!!!!!!! Great job!
    I love being a History Teacher!
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  5. 12-30-2011, 09:47 PM #5
    Sumacaroni
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    That's really flippen sweet - way to go!!
    3/26 Afghan #3: 58 done of 191 rows
    Use-it-Up Challenge: 38 tote blocks done
    Crochet Gift Stash: 18 dishcloths, 1 towel, 2 afghans, 2 totes
    Pound-A-Week Challenge: Week 21, dropped 17 of 21 lbs.
    Change Jar Challenge ($vacation$): $49.88 Cashed in for Florida! 4/2012
    Reading Challenge: 3/12
    ~~~~~~~~~~
    DR Step 1: Done
    DR Step 2: Started 1/2011 w/$19,644, Done: 2/24/2012
    Step 3 by 12/12/12: FFEF progress: $3850
    Mower replacement - paid $3000 CASH 5/2012
    Truck replacement fund: $0
    Step 4: Jack up retirement % by 1/2013
    Step 5: DS19 12/2012, DS14 2015, DD13 2017
    Step 6: Hit the mortgage thru 2018
    Step 7: Build WEALTH & GIVE!
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  6. 12-30-2011, 09:57 PM #6
    hmcart
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    Yay! That is awesome!
    Holly

    My blog: www.littlebitoflifephotography.blogspot.com

    February challenges
    eat at home days 0/25
    groceries 0/400
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  7. 12-30-2011, 10:01 PM #7
    Starlight9803
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    That's awesome! Way to go on a great start to the new year!
    Starlight
    mama to:
    dd (13) and ds (8)
    married to DH for 14 years
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  8. 12-30-2011, 10:03 PM #8
    dschipman
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    That is AWESOME!!!

    Dawn
    "You live in an eternity. Be happy today."



    Challenges/Goals
    2012 Change Jar Challenge : $12.00
    2012 Reading Challenge: 5/24

    CC 1 - $300 02/07 PAID
    CC 2 - $300
    CC 3 - $2000
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  9. 12-30-2011, 11:33 PM #9
    nessarowdy
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    Hooray! What an awesome feeling! I hope to be posting the same thing the 1st week in January! Congrats!

    -Vanessa
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  10. 12-30-2011, 11:47 PM #10
    pinetree
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    Default

    Great Job, Congratulations!!
    Pine trees, with their needles pointing up to heaven, represent everlasting light and life.
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  11. 12-31-2011, 10:22 AM #11
    piney
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    that is awsome good way to start the new year.
    challanges for 2012
    Grocery budget challange $200.for grocery,Hba,& stockpiling,each month.
    May,no spend days challange 20-5/22
    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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  12. 12-31-2011, 10:29 AM #12
    Uniwolf
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    AWESOMENESS Congrats to you and your family.

    Mel
    Wife to DH Rick for 24 yrs
    DD 27
    DS 24
    DD 23
    and the lights of my life DGS 2(it really doesn't seem that he should be 2 Oma is not sure she is a fan of this. and DGD 6 months.
    And of course the furbabies Sir Scooby, Mr. Dusty, and Luke a Duke; all furry four pawed guys, who are my constant shadows at home


    2012 Challanges
    2012 Crochet Corner - using up the stash ...
    2012 Craft & Hobby Supplies Use It Up Challenge
    Fling 2012 Things in 2012 Challenge! 208 items to date
    2012 No Spend Challenge
    2012 Change Jar Challenge 6.90
    2012 Grocery Budget Reduction Challenge
    January Dinner Challenge: Five Bucks, Five Times a Week -
    2012 Home Project Organizational Challenge - 1 side of the kitchen done
    2012 Pantry Inventory and Menu Challenge
    2012 One-Thing-Only Goal -started
    2012 Lose-A-Pound-A-Week Challenge
    Homestead projects for 2012
    2012 goals
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  13. 12-31-2011, 10:53 AM #13
    Squidge
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    Excellent start to 2012!
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  14. 12-31-2011, 11:48 AM #14
    Mom23boys
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    Congratulations on accomplishing your first goal of the new year!!!
    ~*Michelle*~

    ~Wife to Rick since Dec. 19, 1986~
    ~Mother to Richard, 23, Chris, 21, and Dakota, 17~
    ~Mother-in-law to Amber, wife of Richard~
    ~Elementary Teacher~
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  15. 12-31-2011, 01:02 PM #15
    Debbie-cat
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    Default

    Congratulations!!! What a great way to start 2012!!!!
    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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