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  1. Dave Ramsey
    I'm sitting here going back and forth about the amount...I sometimes get my hair dyed and cut...which costs 150.00 everytime I go...thinking of stretching it out between visits if I stay my natural dark brown...we are really wanting this mortgage gone...so trying to do the bare...
  2. Secondhand Shopping
    There was so many things to choose from for Little Miss at our Goodwill yesterday. Someone who just out grew her size must have dropped off tons of great things. The mall experience at the Goodwill price LOL She tried on maybe 20 things ( sweaters and long sleeve shirts) We ended up selecting...
  3. Debt Reduction & Money Management
    After reading this article, I gave our efund some thought and based on things that *could* go wrong, I think we have a good amount. I thought about car repairs, hospital deductibles, appliance death, etc. We have a $3k emergency fund and are comfy with that. Anybody keep a higher amount and if...
  4. General Chat
    Opened the mail to day and found out out car insurance went down by $5.50 a month. Accident free discount. yeah, it is a small amount but I'm happy. every little bit helps
  5. Debt Reduction & Money Management
    Does anyone know of any great tools that would help calculate the amount we need for retirement? A bit of background: Dh is 35 and I'm 30. We have finished all of our debts, including our mortgage, and have $10k in emergency fund (plus $200k unused HELOC). Our retirement savings are minimal...
  6. Frugal Living
    Okay Hubby says he thinks we still need to spend less on food (meaning groceries) I spent in Jan. $377.25 on food (not including eating out or school lunches) If you include household consumables and health and beauty I spent $494.34 We are a family of four Hubby and me eat all meals at home...
  7. Question and Answer
    We are a family of four - two sons ages 7 and 10. What would be a good budget amunt to try to achieve for groceries? - also do you include laundry detergent, pet food, etc. in the grocery budget? Thankyou!
  8. General Chat
    Need some advice on something. DF wants to go to a jewler and get my set. I always assumed I would just get one from walmart or somewhere like that. There are some beautiful sets there for 300-500ish instead of the much much higher price we would have to spend at a jewler. I'm sure the quality...
  9. Green Living
    Have any of you seen a significant reduction in the amount of trash that you have since you started recycle and/or composting? I know that I have seen a huge reduction. We are a family of six with two cats and we used to fill our polycart each week. Now, I usually have about 2 bags of trash...
  10. Money challenges
    Is anyone up for a fun stuff/eatting out budget challenge. How about pick a dollar amount for the month for this category and not go over it? For me it's $40
  11. Christmas
    Okay, in the past we have spent a lot on Christmas for the kids, but never buying for each other(myself & DH). Anyway, this year since I am no longer working I told the kids a limit of $200 each. They are 19, 17, & 13. Plus they get a gift each from grandparents. Well, they make me guilty about...
  12. Frugal Living
    I am trying to figure out a budget for DH and I - and I am lost on trying to figure out a weekly personal allowance for each of us. (He has hobbies of golfing in the summer months and curling in the winter months. My hobbies are mostly crafty type.) What kind of money amount do you allow for...
  13. Debt Reduction & Money Management
    Although we are doing Dave Ramsey's plan, I am one of those people who need to save a little bit more to feel comfortable. If you are doing the TTMO, are you sticking to the $1000 Ef or putting in more? Do you drop out of your 401 K and pay off the debt then join the 401 K later, do you set...
  14. Drugstore & Grocery Store Deals/Product Reviews
    You need to shop through a link in an email I received to be eligible. If anyone is interested, plmk, and I will email the offer to you. www.onehanesplace.com
  15. General Chat
    DH and I are going to Stowe, Vt. later this month for 5 days. We are staying in an upscale inn and eating out at least once per day (breakfast is included) at trendy restaraunts. I have bought a new ski jacket for this trip and 2 new outfits for dh. I will not be feeling guilty. My mother will...
  16. Kitchen Basics
    I don't. I was surprised to find the the current Australian recommendation for fruit per day is 3 - 4 servings and for vegetables it's 5 - 9 servings. A serving is: 1 medium fruit or 1/2 cup of small or cut-up fruit 3/4 cup (180 milliliters) of 100 percent juice 1/4 cup dried fruit 1/2 cup...
  17. Debates, Politics and Personal Opinions
    Do you believe that the amount of a person's Social Security check should be tied to the color of that person's skin? Of course not. But the Republican Party's point man on Social Security in the House is strongly recommending consideration of just such a step. On Meet the Press yesterday...
  18. Home Environment
    Okay, one of the hot spots in our house has been the foyer since we've moved in. It's been the general dumping ground for everything and anything. We haven't recycled the newspapers in a few weeks and there is this bench that overlooks the downstairs family room that was piled high. So, I...
  19. Education
    I would say NONE! My kids would say EVERY DAY. Right now, we're going to have religious ed (2 afternoons/week -- 2 kids on different days) speech therapy -- once or twice a week scouts -- about once a week. DH would like the kids in music lessons too. I get sooo much more accomplished...
  20. Question and Answer
    What's the least you have lived on and how did you do it? I was on sick leave for a year once and lived on $1,000 a month. It was a tough year but when you have to cut back you manage to be more creative. I was very happy to have a stocked pantry. I had a ton of soap, hair gel, tp, paper...
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