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  1. Debt Reduction & Money Management
    Hi everyone, I'm back on FV with baby #3 on the way, and while my husband and I are obviously thrilled about this precious gift, I also cannot help but slightly panic about what this means for our financial situation. First, some background: - For the past couple of years, since the birth of...
  2. Debt Reduction & Money Management
    Found this article and found it very useful! How to Reduce Expenses: 20 steps "If by covetousnesse or negligence, one withdraw from them their ordinary foode, he shall be penny wise, and pound foolish." E. Topsell: Four-footed Beasts (1607)
  3. Meal planning
    DH and I just built our first home and I am making every attempt at becoming more frugal, in order to eliminate debt and increase our savings. We blow an incredible amount of money on food every month, and I really want to bring that budget down tremendously. For the two of us, including dog...
  4. Debt Reduction & Money Management
    So Dubya starts kindergarten on Monday. While the mom part of my brain is having anxiety issues over this, the rest of me is rejoicing over 9 months of NO DAYCARE COSTS FOR HIM. Until I realized, I was going to have to shell out $300 a month for before/after care. We would still be saving...
  5. General Chat
    I went online today to book my hotel for Christmas. The same hotel that we stayed at last year is $30 more a night...Ugh! All the hotels have increased greatly not just this one. Then I was looking at flights in February to visit my mother on her 80th birthday. The flight I usually take is...
  6. Family
    Of course there is the charge for the summer camp. But what are the extra expenses- maybe even hidden expenses of summer camp that would add to the true cost of camp? Here are a few I could think of Gas to and from camp (more $$ if it is a day camp with daily drop offs and pick ups) also more...
  7. Dave Ramsey
    Just curious how other people who use an envelope system or other cash-only system handle it when you have an expense in one of your cash categories that you can't pay for with cash. I had to write a check that I hadn't anticipated this week, for example, when the recipient wouldn't take cash...
  8. Vacations and Travel
    Hi, everyone! :wave2: Just wondering if you could help me plan ahead for a vacation that is coming up. We're going to a place that will take approx. 2 days to get to including an overnight stay at a motel. I want to save on trip expenses, but I need some help in this department. Could/Would...
  9. Utilities
    How do you save on these? I am currently paying $99 mo for phone, internet & cable but the promotion is ending 12/31. I will get rid of cable and keep internet, but will still need a home phone. I am also terminating DH's cell contract at $80 mo (gave up my cell phone months ago) - so I would...
  10. Debt Reduction & Money Management
    ~I thought this short article was interesting. It gives some rules of thumb for how much you can afford in the five areas. The retirement savings rule was the easiest method I've ever used! Yahoo! Finance - Financially Fit ~
  11. Money challenges
    Eek! We have some expenses that I have not budgeted for. Specifically my son's school registration - $225 (due by March 15) and our property taxes (overdue now) $554. I do have my $1000 emergency fund in place, but do I practically wipe it out for these?
  12. General Chat
    This is more of a "point of view" or a philosophical question, than a practical one. I was wondering how my fellow villagers feel about saving for a child's college education. I may get a few shoes thrown at me for this, but I will share my opinion. Dh and I have decided that saving for our...
  13. Debt Reduction & Money Management
    "Thanksgiving Expenses" or "How my Nov. budget went down the drain" So this month we're going over our budget for food costs. It's not the end of the world, because I had tentatively set aside an extra $200 for food for Thanksgiving. However, it wasn't in the original November budget, it was a...
  14. Debt Reduction & Money Management
    well increasing my income is not going so well but I am doing great at cutting expenses. Surprizingly Christmas is falling right into place One last thing is to tell our kids who are all struggling that they are not to spend much on us . Yes this problaby belongs elsewhere on this site but...
  15. Debt Reduction & Money Management
    I call it a small victory of sorts. We put $500 on the VISA the other day, which was 1/4 of what we owe. We also put $389 on the Best Buy card, which is 2/3 of what we owe on the Wii. The Wii's interest-free period ends at the end of November, but we'll have it paid off before then. The Best...
  16. Blog
    In this economy, many of us probably can’t afford to take a summer vacation like we’re used to. But if there’s a trip you can’t avoid in your future (like an out-of-town wedding or a family reunion), there are things you can do to minimize the cost of your trip no matter where you’re going. Here...
  17. Debt Reduction & Money Management
    It just seems there is a steady stream of random expenses that are always popping up. End of the year stuff, replacement back packs, there was a mix up for our vacation this summer, now we have to come up with an extra $200, then we forgot to plan for boarding the dog while we were gone, have...
  18. Dave Ramsey
    OK, I have been posting all over the place (sorry) trying to get ideas on various areas of my finances. I decided (with some encouragement) to just post the expenses and let people comment as they may. I need advice, encouragement, etc! Thanks. When reviewing, please remember that hubby neither...
  19. Frugal Canadians
    So I was talking to my brother, a businessman, last night. He claims the average Canadian household spends $5000/mth. (!!!) to keep things going. I just about died. Are any of you close to that? That includes debt etc. We fork over $2600/mth to run our household, and I think that's...
  20. Debt Reduction & Money Management
    Still trying to get a handle on how budgets work. How do you handle unplanned for or sudden expenses? Example: Daughter's glasses. We had planned that she would need new ones next August. But hers broke at school she can't see without them. So the expense became a pay for it today expense...
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