Back to FV to get back to frugal living
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  1. #1
    Registered User EmilyD's Avatar
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    Default Back to FV to get back to frugal living

    I haven't been active for a while. We have been
    fairly prosperous the last couple years (for us anyway)

    Lots of new hobby stuff bought, several small musical
    instruments, several crochet projects, and other fun stuff.

    Last week, we bought a new to us p/u (2012) and took
    out a loan to go from a money-sucking, ill-advised installment
    plan to a 4 year personal loan. It is time to get down to
    business. We had to buy full coverage for the truck and
    mortgage bank wanted us to up our coverage, (we didn't
    have a choice).

    Our main goal is to be prepared for dh's retirement in 4
    years. I officially retired this year, though I haven't been
    able to work since 2005. I will receive my first SS check
    next month. It is small and mostly taken up by medicare
    insurance, but it is something.

    Plans for now:
    New car loan was limited by us to 4 years. Ditto on the loan.
    Plan to make additional principle payments on mortgage, p/u,
    and loan. Everything is in one bank (checking and savings x2,
    all the loans above, etc.) so it will be easy to pay immediately.
    All cash withdrawals are put in envelopes

    We are closing out the fluff in the budget, like the storage unit,
    Amazon Prime and Unlimited, paid off gym membership, HuntAKiller
    membership and miscellaneous other stuff. I finished revamping the
    budget yesterday. All bills are covered plus we have $300.00 in the
    savings "budget" for every month. The $1000 we used for the down
    payment has been almost replaced with the help of a small overage
    in the loan, a bonus check from dh's work and the unspent remainders
    from cancelled expenses. He will get some overtime for a week or so
    and $100.00 will come from my SS check.

    I am glad to have this resource to encourage, motivate, and make me
    accountable.
    EmilyD

    Change/Piggy Bank Jar Challenge (I use it for my clothes allowance)
    All silver change into piggy for 1 year (Oct 2019) (Will turn in today 1/3)
    Household savings account $200.00 monthly, current bal. $900.00
    My savings: current bal. 10.00
    Pay extra on mortgage/loan/auto $50.00 @ monthly


    Projects for 2020:
    # 1 New front porch
    Major declutter house
    Major declutter garage

    2020 Stash Management
    2020 Frugal Challenge
    2020 House Purge / Declutter Challenge
    2020 Meal Planning Challenge
    2020 Grocery Budget Challenge $250.00 monthly

  2. #2
    Registered User Contrary Housewife's Avatar
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    Kansas City
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    Welcome back! Sounds like you are ready to jump into budget living with both feet.
    Stop trying to organize all of your family’s crap. If organization worked for you, you’d have rocked it by now. It’s time to ditch stuff and de-crapify your world.

    If you're not using the stuff in your home, get rid of it. You're not going to start using it more by shoving it into a closet.

    Use it up, Wear it out,
    Make it do, Or do without. ~unknown

    A clean house is a sign of a wasted life. ~unknown

  3. #3
    Registered User larabelle's Avatar
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    Welcome back!!

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