Cutting back from all the "see it buy it" mentality allowed me to stay home with the kids for 5 whole years now.
We paid an extra year into the mortgage.
We paid for half of the house renovations from money saved during my frugal period without having to dip into savings.
And the rest was paid for out of savings (money saved from when I was working) instead of loans or credit cards.
I set aside $117.00 each pay check and put it into a GIC to pay for my car insurance last year.
I lost 30 lbs. after my wedding. (AFTER my wedding. )
I left an unhappy marriage and moved away from an unhappy man. I am now with a wonderful man who is also my best friend and have gained my independance.
This year I'm doing the same thing, but $40 of that is going to the car insurance and $77 of that is going into savings.
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I strive for a life of excellence, not perfection.
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"My heart" to Michael
"Uterus" to Baby #1 <-- Due June 3rd
Boy, I can look back as far as the kids were little. I was a single(Divorced) mother with three babies the boys are 18 months apart and there is 21 months between my second and third. I had NOTHING ! I was luckey to keep food on the table and hope and prayed that the lights would never get shut off at the wrong time. Now after years of struggling I have a wonderful husband who loves my children like his own. We are blessed with the gifts that god gave us and the hard work that DH and myself has done throughout our time together.
"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
We've paid down debt that amounted to over $160K (or so, I need to look at the exact figures again, it's been a while and it could be more like 180) which included paying off our mortgage 11 years early. Bought and paid cash for 2 new to us autos, done numerous rennovations to our home and put 3 kids through college --- all debt free. (This is all in the time frame of about 8 years)
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~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)*
This year I lost nearly 25 lbs and reached my goal weight. This means I also learned to eat less and save a bit on my grocery bill
I've been able to reach my senior year of college without incurring any debt
My marriage with a wonderfully frugal man has grown more stronger. The fact that he is receptive to my experiments with money saving ideas (no matter how crazy) is testament of his love for me
Still working on getting debt down, since my meds and trips to specialist my budget has been blown, but once all my health problems are treated and taken care of, i should be able to get things back on track, I have kept the food bill under $200 a week this is for 8 people and includes, food, nonfood, pet supplies ect I should call it household expensens instead of grocery budget, have cut phone bill, cable, bills down and still working on water and other utilities, have been hanging all clothes on line, need to set down this week and rework budget I have to stay on top of things with kids out of school. we are still remodiling the house, adding insulation should help lower utilitie bills. have had more no spend days then spend days also have worked on not eating out as often, but the trips to specilasit eats up gas budget working around that hope to start making more payments on hosue to get it paid off sooner. one step at a time....
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Pam
Wife to Steve
Mother to
dd Jessi 23
dd Michelle 21
ds Daniel 18
ds Nathaniel 14
Hubby's adopted brother Ray
MeMa to
Cecelia 11 months (aka peanut) born 10/22/09
Goals
Pay off motorcycle (done)
Work on building pantry again
buy chickens (done) now have 10 all hens
Plant small garden (done)
work on saving acct
work on getting all bills caught up
work on EF Change Jar $5.89