My Frugal Journey
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  1. #1
    Registered User Suprise's Avatar
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    Default My Frugal Journey

    I have always been somewhat frugal. When I was a kid I remember thinking that I didn't want to do like my parents and borrow money from the bank to buy a car or other things that can be saved for. But when me and my husband bought our house we didn't have enough money to buy furniture so we did end up using credit. Then we had kids and I lost a job. Things happen and dept added up. I am thankfull that we bought a house that was bellow our means. Our house might be small and old but since we have smaller paiments I get to stay home to take care of the kids and still pay off our dept.

    Here is my 6 months goal:
    Pay off 1400 (which will mean halfway to being paid off)

    Here are steps that will help me save more money in order to get this done:
    -Using cloth diapers
    -Groceries only every 2 weeks (weekly fresh produce)
    -Shop arround for used items before buying new.


    I will try to update as often as possible.



    Today's frugal doings:

    I made a batch of homemade flour tortillas. This is the second time I make them, but I rolled them out too thinly and they ended up being stiff. I will use them anyways. I might make some cheesy baked tortilla snack with them.

    Homemade tortillas: about 0.80
    Store bought: 2.99
    Saved: 2.19

    Cloth diapers and cloth wipes savings: 0.90

    Dried clothes on line: 0.15

    Total money saved today: 3.24



    Here's my easy Cheesy tortillas bake snack

    Cut tortilla into wedges. Place on bakin pan and sprinkle with gratted cheese. Bake in the oven for about 5 minutes at 400 F.

    My son loves this and he's a picky eater.

  2. #2
    Registered User Suprise's Avatar
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    Okay I wanted to add this before I forgot about it. For a fast easy lunch prepare a whole loaf of bread into sandwitches. Lay out your whole slices loaf and add the spread of choice then cut and place back into bag. This can be done with peanut butter spread, cold meats, tuna, shredded cooked meats or pretty much anything you put in your sandwitch. I saw this idea somewhere else on the net and wanted to add this to my frugal ideas. I think this might come in handy when we decide to leave on a spontaneous picnic. Throw in a bag with some fruits and drinks and out the door we go.

  3. #3
    Registered User melanies's Avatar
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    Those tortilla thingys sound delish! I eat low carb so it has been many moons since I have had tortillas.

    And I dont know if I am in the minority here or not but I dont think that using credit is bad. I think responsible use of credit is important for the times that you need credit (mortgages, for example). It'll save you bucks in the end.

    I liked your dollar and cents breakdown of what you saved today. It all adds up!

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  5. #4
    Registered User Debbie-cat's Avatar
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    Good luck surprise....you will be successful if you stick with it!




  6. #5
    Registered User Suprise's Avatar
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    Quote Originally Posted by melanies View Post
    Those tortilla thingys sound delish! I eat low carb so it has been many moons since I have had tortillas.

    And I dont know if I am in the minority here or not but I dont think that using credit is bad. I think responsible use of credit is important for the times that you need credit (mortgages, for example). It'll save you bucks in the end.

    I liked your dollar and cents breakdown of what you saved today. It all adds up!
    Your right credit isn't bad aslong as you keep it under control. If I could have used my credit card and pay it off at the end of the month I could have built my credit. But instead life happened and I ended up using the credit card too much and lost control on it. Once I do pay it off I will still use it to pay for things I buy online but I will make sure to pay it off right away.

    Thanks

  7. #6
    Registered User Suprise's Avatar
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    Quote Originally Posted by Debbie-cat View Post
    Good luck surprise....you will be successful if you stick with it!
    Thanks, posting my journey should help alot.

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    Registered User Debbie-cat's Avatar
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    Posting will help surprise and I will be following that journey, cheering you on!




  9. #8
    Registered User Suprise's Avatar
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    Today we realised how much we depend on our microwave, it broke on us in the middle of defrosting our lunch. We will buy a new one this weekend because it does help us save money since we always make large batches and eat leftovers the next day. Other then that it has been pretty quiet here.

    Today's frugal doings:

    -Paid another 80.00 on Visa with my husbands overtime.
    -Used cloth diapers/ wipes: 1.00
    -Bought 2 bags of Hershies Valentine's day kisses that we're marked down to 0.99. For the same amount of easter eggs it was 2.99. I'm putting them into plastic eggs (from last year) so the kids don't know the difference. Saved 4.00

    Total money saved today: 5.00

  10. #9
    Registered User lisaflex's Avatar
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    keep on goin girl! doin great

    you will find lots of support and tips here.

  11. #10
    Registered User Suprise's Avatar
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    Okay so I have been slacking a bit which as made a difference in our cash flow. We recieved the winter electric bill and it's a little higher. Oops I guess we used the electrick heater a little too much during those cold winter nights. But now it's nice and warm outside so no more heater. In fact I think I will put it away out of reach.

    Things I need to work on:

    Use cloth diapers more often.
    Use the clothes line to dry clothes every day.
    Make a menu plan.
    Make a load of homemade loundry detergent. I love Purex Natural elements but it's soo darn expenssive.

    Hope I can get those things in order so that I can catch up on my finance and keep paying off that evil Visa.

  12. #11
    Registered User krbshappy71's Avatar
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    Hi there,

    Just wondering if you have looked into budget amounts for your natural gas and electric companies? I use a budget amount for natural gas, pay the same amount all year and have the security of knowing what that amount will be. It helps prevent the "oops" higher electric bill hits.

    Best wishes!

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    Keep up the great job.

  14. #13
    Registered User Suprise's Avatar
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    Quote Originally Posted by krbshappy71 View Post
    Hi there,

    Just wondering if you have looked into budget amounts for your natural gas and electric companies? I use a budget amount for natural gas, pay the same amount all year and have the security of knowing what that amount will be. It helps prevent the "oops" higher electric bill hits.

    Best wishes!
    That is an good idea for sure. Although I do like to know how much electricity I use each month. Umm... I will deffenately think about it. Thanks!

  15. #14
    Registered User krbshappy71's Avatar
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    Quote Originally Posted by Suprise View Post
    That is an good idea for sure. Although I do like to know how much electricity I use each month. Umm... I will deffenately think about it. Thanks!
    You will still get a statement showing you all the details of usage, what the bill would have been, and I like that because I can make sure I'm not following too far behind to where I would have a large "settle up" amount at the end of the year.

    My electric company was terrible at estimating so I stopped it for them but Xcel so far has been right on the mark. I guess you could also just look up your past year worth of bills and find your own average, send in that amount regardless of usage.

  16. #15
    Registered User Suprise's Avatar
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    Today I have been planing a Garage sale for may. I found about 400.00 worth of stuff that I could sell but would love to add to my garage sell pile. Anyone have any ideas of good sellers that I may not have thought about?

    Here's what I have so far:

    Walk N Ride push toy 5.00
    Musical toy that you place baby under 5.00
    Size 2 boy winter coat 15.00
    Size 18 months winter coat 15.00
    Aquarium sound toy for crib 5.00
    Mobile 5.00
    Nursing pillow with cover 8.00
    Baby tub 5.00
    Crib matress 10.00
    Stroller with car seat 40.00
    Crib bedding set with curtains and hamper 20.00
    Diaper bag 5.00
    Size 9 winter boots Columbia 5.00
    Black dress shoes size 9 boys 3.00
    Black dress shoes infant 2.00
    Contoured changing pad 5.00
    Bicycle stroller 50.00
    Brides maids dress 60.00
    Purple dress 20.00
    Red evening gown 40.00
    Flower costume size 18 months 5.00
    Panda costume size 12 months 5.00
    Books
    DVDs
    VHS

    What do you think about my prices? I'm considering selling my wedding dress aswell but I'm affraid I would regret it. Right now it's taking up space in my mom's closets since my closets are too small. What are your thoughts on that? I paid 800.00 for it 4 years ago. How much could i realisticaly ask for it?

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