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Don't use coupons? Think you can't save money using... I wrote this in response (as a comment) to a comment quoted in a post on the Five Cent Nickle blog. ========================================================= Coupons are the single best way to...

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Working with credit card companies - the good, bad... A few months ago we knew we were headed into "negative" territory on our bills.  A perfect storm of events were happening and we could see what was going to happen. In our efforts to work with our...

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I paid 25c for all of this food.... 4 boxes of crackers 4 packages of cookies 2 boxes of cinnabon bars 1 hotwheel Had to throw the hotwheel in just cause I had a $1 left to "spend" from my freebie stuff!  How did I do it??? Albertson's...

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Allowances, complications, compensating for chores...... It was with surprise and well, a bit of disgust that I was recently reading a plethora of comments on a financial forum I participate in about this very subject. Let's see if I can reiterate without...

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KILLED WALMART IS DEAD ! ! !

Posted on : 22-10-2009 | By : The Wife | In : Debt Discussion, Money, The Journey

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$97.02 paid in full = Walmart is dead.

There is no R.I.P for the Walmart card!

The pressure to spend . . .

Posted on : 21-10-2009 | By : The Wife | In : budgeting, Money, The Journey

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Here is an element of what I was talking about in my last post – Jason over at Bible Money Matters said it much better than I did.

Avoid the Pressure to Spend.

It’s the little things that catch you by surprise . . .

Posted on : 21-10-2009 | By : The Wife | In : budgeting, Money, The Journey

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and ultimately become sacrifices . . .

I very much would love to be a “chauffeur” for my son – he’s going on a field trip with his class next week and they are looking for volunteer drivers.

Cool!  I’m in.

Only to learn that it will cost $3 admission to the event I would be driving to.

Hum.  We have decided to budget so tight that $3 is nothing to sneeze at and frankly, I’d much rather throw it towards debt and be FREE than to spend it just so I can drive (and pay for gas too).

It’s things like this that come up and nickle – and – dime you to death.

Don’t let that happen.

Don’t let others make you feel guilty for not doing something like the above when the ultimate reason you are doing it is so much better for you and your family then to drive a few classmates on a field trip.

Freedom and Happiness Quote of the week

Posted on : 19-10-2009 | By : The Wife | In : Quotes & Affirmations

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“By sowing frugality we reap liberty, a golden harvest.”
~Agesilaus

For Sale: 2005 Chevy Trailblazer – $10995 (Post Falls, ID)

Posted on : 18-10-2009 | By : The Wife | In : dave ramsey, Debt Discussion, For Sale

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2005 Chevy Trailblazer
Dark grey exterior
Beige fabric interior
63,000 miles
A/C
CD/Radio
Roof rack
Tinted windows
Very good to excellent condition
4 wheel drive
Clean title

LOVE this vehicle but Dave Ramsey say’s SELL
$10,995 + our contribution pays off the credit union and it’s yours

KBB.com private party value
Excellent condition $11,290
Good condition $10,615

left-side-reduced

right-side-reduced

They paid ME 19c for $99.25 in groceries!

Posted on : 16-10-2009 | By : The Wife | In : Groceries, Quotes & Affirmations, Quotes & Funnies

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Say WHAT?

Albertson’s paid me 19c to shop in their store today.  They gave me 19c and $99.25 worth of groceries.

Here are the results:

20091015-albertsons-181

It takes some work, but it was so worth it.  It took approximately 30 minutes to plan out my shopping trip (multiple transactions are often required to score the best deals) and another 30 minutes to do the actual shopping.

There are things here I’ve never purchased before such as the cookie mix pouches.  I always make my cookies from scratch.  However, that still costs money.  I was paid to buy these today so I did.  We’ll be using them for nights when our small group comes over and for holiday plates of goodies.

The cereal is sort of a new thing in our family.  Because it’s expensive to buy normally and it just doesn’t fill any of my family up, I never really purchased it.  However, free food is free food and I am now using cereal as a filler food for meals.  My boys require so much food that FREE is a good thing.

Broth, again, free is a good thing.  Sweet rolls and crescent rolls – 2 served as yummy breakfast options this morning after a sleep over with a friend of theirs.  Crescents can be made into all kinds of recipes, most recently a stuffed taco recipe (yum!)

Outside of sales tax, Albertson’s and the manufacturer’s gave me 19c to shop at their store today.  My actual out of pocket for tax was $5.27 (plus the 19c they paid me).

October 2009 Budget

Posted on : 12-10-2009 | By : The Wife | In : Away with the FAT, Uncategorized

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In the interest of transparency . . . we are revealing our monthly budgets and actual spending on this blog in the hopes that you can learn from our mistakes!!

Remember, we are doing the zero based budget as taught by Dave Ramsey.

So, here is our October 2009 budget:

Income (including reimbursements) $4042.96
Tithe $416.00
Housing $1304.54
Mortgage
Utilities $0
paid ahead last month
Food $300
Transportation $701.12
Gas & oil $300
Insurance $86.58
Payment $314.54
Medical/Health $242.27
Medical Insurance
Personal $675.10
Freedom/Sinking Fund $180.10
Toiletries envelope $50.00
School tuition $325 (paid ahead last month)
Blow $20
Pet envelope $50
Hair envelope $50
Recreation $0
Entertainment/Netflix (paid ahead last month)
Debts $403.93
C. MC $5.00
CU. MC $5.00
US CFE MC $5.00
US CLE MC $252.93 (debt currently in line in the snowball)
H CFE MC $60
H CLE MC $60
Disney movie club $16 (past due, now paid in full)

FYI: there are several debts that we are in forebearance on (2 student loans and a private loan).  These debts will be “activated” once the credit cards and trailblazer are paid in full.

Freedom and Happiness Quote of the week

Posted on : 12-10-2009 | By : The Wife | In : Quotes & Affirmations

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“Being frugal does not mean being cheap!  It means being economical and avoiding waste.”
~Catherine Pulsifer

“Without frugality . . .

Posted on : 11-10-2009 | By : The Wife | In : Quotes & Affirmations

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. . . none can be rich, and with it very few would be poor.”

~Samuel Johnson

Ahhhh…. I feel so much better!

Posted on : 10-10-2009 | By : admin | In : Uncategorized

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We received money due to us from the IRS (had to go through a tax return review since MAY!!) today and we were able to pay off several things and get current on all of our 4 walls. YEAH! Our baby emergency fund is back up to $1,000 and lots of small medical debts from this summer are all paid in full.

I feel so much better now!