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  1. Money challenges
    I have been following DR to get out of debt and am so thankful to have started this program when I did. I was projected t0 be out of Debt around April 2015. However I have learned so much and have become so frugal I truly bbeleive I can do this by April 2014. We will be out of debt except the...
  2. Frugal Living
    I have always been very wrapped up in miles per gallon for my car. I reset my trip odometer every time I fill my car so I can calculate how many MPGs I was getting on a particular tank (trip odometer reading divided by number of gallons put into the tank). In town I get about 18-19 mpg and...
  3. Drugstore & Grocery Store Deals/Product Reviews
    Publix changed their sale dates. Now instead of running from Thursday morning until Wed night they are running from Monday morning until the second Wed. So a week and a half. Guessing maybe saving on sales ads? Went in to get a couple more jars of pickles at the BOGO before going off sale...
  4. Debt Reduction & Money Management
    i changed my affirmation from "I create prosperity and abundance for me and my household" to "I create prosperity, abundance, and savings for me and my household." i was creating prosperity and abundance, but i wasn't saving any money. prosperity = 1. a successful, flourishing, or thriving...
  5. General Chat
    We always go out to eat on Fridays. Well today nothing sounded good but I was going to go anyway, then I thought why go PAY for food I dont really want to eat when I can eat food here that I dont really want to eat? LOL So I stayed home and saved the cash, and had leftovers :)
  6. Money challenges
    UPdate... I have changed this challenge somewhat. I am feeling better, more energy, likely due to exercise and losing some weight. But I started thinking, I have been putting away my income and trying to just use dh income, we fall short. I can't get dh to cut back on things we *can*...
  7. Home Decorating
    So, I've always been beige and different earthy tones, my kitchen had a bit of a southwest feel - not all out southwest, just colour scheme and some pottery & sand paintings - the rest of the house contemporary. My new house looks out on a lake, desert decor doesn't suit. Now I've got this...
  8. Education
    While looking online for school supplies for my DS2 I came across this website. :yikes: :yikes: :yikes: Bulletproof Backpacks, Bullet Proof Vests and Bulletproof Clothing.
  9. Debt Reduction & Money Management
    Hubby and I recently switched our insurance provider due to a lack of service (calls not being returned, forms not being sent out, all of which were costing us money due to actions on policies being delayed, etc). As a result, the insurance on our house decreased by 275$ for BETTER coverage...
  10. Debt Reduction & Money Management
    We live in a place with a 'small town feel' so community support is important to us. So is trusting the bank that has our money. Just about 7 years ago we opened a free checking account with no minimums and direct deposit at the bank on the corner. It was a small, local-ish bank. It was taken...
  11. Debt Reduction & Money Management
    I was going over my bank statement to make sure everything was in order before February 1st came (tomorrow morning). I then decided to take a look at what my spending was like in January 2009... exactly one month ago. I was just floored! My miscellaneous spending was the biggest noteable...
  12. General Chat
    Wow, it's been a loooooong time since I posted on here. The whole format has changed and that's hard for a technophobe like me, I don't understand half of the new set up:sigh: Anyway, in the time I have been away life has been er, interesting here, hubby had a rare stroke (caused by a...
  13. General Chat
    This is for the better. Every year we always went to my husbands sisters house for Christmas. iT'S not the sister that host it, we love her to death, but its the other sisters that sit back and gossip about everyone, ya know they are talking about you when all goes silent when u walk in the room...
  14. Debt Reduction & Money Management
    I impulsively changed banks today. I hope I don't regret it, but I don't really see a downside. I have never used the work credit union because whenever I have looked, I was getting a better deal at Chase. Ok. I know lots of you despise them, but I've had really good service and problems at...
  15. Frugal Living
    I heard on the news this morning that September retail sales figures are used as a preliminary gauge for holiday sales and the forecast looks "dismal". :sigh: So here are my questions: Have YOUR holiday shopping plans changed since last year? How will you remain frugal these next three...
  16. General Chat
    Dh and I have been a frequent visitor to the US - the last being last September when we entered the US via Canada on a cruise ship. This time we are flying to New York and sailing back on a ship (done this before too and vice versa). I have had to fill in our passport particulars so many times...
  17. Debt Reduction & Money Management
    FIL/MIL loaned us the money today to pay off both CCs. A $4,600 payment went to VISA. A $4,700 payment went to Mastercard. That leaves us with covering the rest of the amount, which is less than $100 on each card. That leftover amount is what we'd be paying on our cards out of our own accounts...
  18. General Chat
    now i know what you are thinking..."geez...that girl needs to get out more often.." which by the way..IS true.... however.... ever since i have been reading about the 'virtues' of vinegar i finally went out and bought a bottle and added to my laundry...amazing....the whites are whiter..(i...
  19. Debt Reduction & Money Management
    So DH and I were channel surfing the other night and that was the only thing on. For those of you who don't know, its a Canadian show where this lady helps couples in financial distress come up with budgets and figure out how to deal. Anyway, we're watching this and I'm thinking DH is bored so I...
  20. Relationships
    I'm reading "How to Make an American Quilt." I saw the movie years ago and I remember that one character's story in the movie was particularly sad and that was because she had changed so much after she was married and became a mother that she had almost nothing in common with who she was before...
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