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How to start a budget...resources on SparkPeople

Tuesday, October 06, 2009

It was not easy to find a budget form on SparkPeople but it is there...

First go to Healthy Lifestyle, then Lifestyle Centers, then Financial Fitness.

Click on View Resources to Manage your Money.

Then there is a list including the Printable Spending Log and articles on managing money.

I haven't filled out my log yet but it will be an eye opener since I have been like the ostrich with her head buried in the sand and "hoping upon hope" that "things will work out." Eventually this attitude will get you in trouble...

And trouble is my middle name.... emoticon emoticon

  Member Comments About This Blog Post:

MOTOMOMOF2 10/6/2009 9:18AM

    I have it, many copies and started to use it for about 2 days, I really need to get back to it. Or maybe I just need to not spend so much

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FITKAT2010 10/6/2009 7:46AM

    Good for you!

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FLASUN 10/6/2009 7:19AM

    emoticon Teddy for explaining how to get the budget sheet! You just never know what else you can find here on SparkPeople! I guess they are thinking of everything to help us out! Will have to look for this and give it a go!

Terrie, Ostrich team.....sounds good to me!!

Comment edited on: 10/6/2009 7:20:19 AM

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MSLZZY 10/6/2009 6:55AM

    I will check this out today. I think I could use it. You are not alone in this, you know. I'm on the other side of the boat holding an oar.

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NANCYLEE46 10/6/2009 6:32AM

    Ty, Ty for sharing and doing all that searching.


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BIGT_56 10/6/2009 6:03AM

    When you finally get your head out, look to your right and you will see me trying to get mine out as well. I have robbed Peter to pay Paul for so long, that now I am having to steal it back from Paul to pay Peter.
Maybe we can start an Ostrich Team here on Sparks.


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Working on budget....

Monday, October 05, 2009

Husband and I have "operated" without a budget for about 10 years....(married about 10 years ago)...It worked before but now with him not working and collecting social security and no savings to fall back on I am scared.... I found a great budget sheet and article on Spark People for a starting place (almost said a jumping off placed, but reconsidered as that sounded negative).... I am reading a book on being positive at the present time and in my mind I keep arguing with the pollyannaishness of that exercise.... After I figure out what it is costing us to live in our house, etc. and using my income plus his, I believe going to a professional counselor would be the best way to figure out what to do. Unfortunately, finances are only one issue as we have become "estranged" emotionally from each other. I am feeling anxious about the whole thing and have been in this state for at least 6 months....and I don't see a silver lining anywhere....I think part of the solution will be to pay off all credit card debt with my retirement money and that will not leave much of that left. There will have to be some "belt tightening" and think there will be some major upheaval before things are much better.

  Member Comments About This Blog Post:

SQUIRTZIE 10/7/2009 9:29PM

    I am going to start doing that.
Sounds like a really good idea. SP has so much information. It is really an incredible site.

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LINDYPOWER 10/5/2009 10:38AM

    Where did you find this budget sheet? You did not share this with us and I am interested in printing it out and reading the article.

I live alone and am living on $600 a month workers comp with NO savings or retirement money. The oil tank is bone dry and I live in the Northeast. I am 59 1/2.

Consider yourself blessed beyond measure for the treasures that you already DO have like a husband. Work on that relationship. Do you know how hard it is to find any man OUT IN THE JUNGLE? You must not think about what you DO NOT have because putting energy there will give you more of those things that you DO NOT HAVE and are missing. You will get more of the negative stuff it you think about it. Send your husband loving wishes during the day and feel your own love within your heart when you do. He will feel it too. When you come home and see him, smile and ask him how his day was. Tell him that you missed him. Share a meal together and ask him to help with the cooking and clean up so you can go for a walk together after dinner. Hold hands. Tell him that you are happy that he is retired and is still able to bring in money while not working because he EARNED it through out the years working. Tell him that both of you are blessed for those things that both of you DO have.

If your relationship is so strained that you cannot approach him, show him my letter and tell him that I wanted you to do so. I left my husband 10 years ago, and part of me regrets it immeasurably. All that is out there from my perspective are men who want to have sex not a date, and then dump you. As soon as the conversation changes from the basic introduction, they shift the conversation to hot tubs and wine. Screw that. Never give yourself away to a man who objectifies you and disrespects who you are as a woman. Do you want that? If you leave your husband, you might be further in debt and find yourself alone or in a world of sharks and predators. 80% of people over 50 have the HPV - human papaloma virus. There is a scary world of STD's out there. This is based on my own experiences only. Thankfully I was not promiscuous after I left my marriage. God only knows what the CHARMERS were carrying inside their bodies to infect me with.

It is a scary and dangerous world out there in the dating scene. Men carry on as serial daters and because of the availability, they can date multiple women and then dump dump dump as more arrive on the scene.

Does your husband look so unglamorous, still? Send him love in your thoughts, today. He will feel it. See the difference when you get home.


I don't know why I am going on about your relationship when this ia about finances. I am an intuit. I sense you want to break up the marriage, though. That will place you deeper into debt at this time...and maybe forever.

If you ask God with loving intention, you will both be provided with everything that you need. emoticon

Comment edited on: 10/5/2009 10:52:25 AM

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WALNUT5612 10/5/2009 9:54AM

    A budget is sOOO important! Most of us don't follow one, but we should.

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FITKAT2010 10/5/2009 9:46AM

    Good luck

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EILAROSE1 10/5/2009 7:32AM

    It sounds like you have the answers yourself.

Always go with your first instincts and you will be fine

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Sunday, October 04, 2009



21 days to make a new habit (waking up earlier without alarm)

Friday, October 02, 2009

I would love to take a day off work for fun but cannot as I have had too much unscheduled time off in the past year....so I am grateful I work only 5 days a week...I used to work 2 jobs for years (that ended 10 years ago when I got married the second time) so I really appreciate the weekends. Lately the evenings have been just a time to wind down and go to bed early.

The main change I have done lately is get up early so I can swim 2 days a week. I wake up early all the other days so I need to do something constructive (like exercise or clean house) instead of tossing and turning and trying to go back to sleep for an extra half hour....

It is surprising how quickly my body decided 4:30 is the new wake up time and even when I would like to sleep later it just doesn't work. I think this habit took place after only about 3 weeks of setting my alarm for 4:30, so the estimate of changing a habit at 21 days apparently worked for me.

Because of the parking situation at the pool and losing my handicap parking permit (I am supposed to be sufficiently healed from knee replacement surgery by now, 4 months ago) I will need to get up about 4:00 a.m. starting next week and walk from my regular parking place or pay $4.00 to park each swim day....walking to and from swimming might work except I would have to change my work start time to 8:00 instead of 7:30 as it is quite a hike over to the pool from my office.

The other plan would be to go swim after work but think of something to do from 3:30 to 5:00 when the pool opens.....Perhaps I could go to the gym for an hour and do those knee exercises on the leg press and recumbent bike I have been neglecting.

I think plan 2 will have to be the one...I wanted the easier, softer way...pay $4 for parking instead.... emoticon

  Member Comments About This Blog Post:

JENANDCIA 10/2/2009 2:04PM

    Great job with getting up instead of hitting the snooze - I set my alarm early on purpose just so I can hit the snooze and make myself feel like I'm getting extra sleep lol I would suggest trying both plans and seeing which one works better for you or like the other person suggested splitting them. Way to go!!!!!!

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MSLZZY 10/2/2009 7:54AM

    I think both plans are good but you'll decide what works for you! I haven't set an alarm clock in years and it is such a habit that sleeping in never happens.
Good luck!

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BIGT_56 10/2/2009 7:06AM

    You are amazing Teddy! 4:00 (even 4:30) would never become a habit for me...not in 21 days or 21 years! I am night person by nature. The only way I would be up at 4:00 in the morning is if I had been up all night.
Maybe you could split the difference and pay to park every other time.


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FITKAT2010 10/2/2009 6:50AM

    The path of least resistance is the one taken by most....until they see it leads to staying put.

Good achievement!

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Fear and loathing...

Thursday, October 01, 2009

Today is my annual review at work....lions, and tigers and bears, oh, my!!!! I am a bit nervous about this. I hope it isn't a horrible experience. Let me reword that....I am hopeful it will be a good review. I don't recall ever having a bad one in 19 years of working for this organization, but I have transferred to a new position about a year ago and am feeling unsure of my work performance. All I can do is do my best and hope my efforts and results are recognized. emoticon

  Member Comments About This Blog Post:

TEDDYTEDDY 10/2/2009 4:43PM

    I am happy to report the review went well and I joked a bit about pink slips with the manager when the evaluation was over.... She does have a sense of humor and so that made it a lot better, too.... I thanked her for the raise and said I appreciated it.... Overall, the evaluaton wasn't so bad afterall....

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DAISYDAY25 10/1/2009 11:48PM

  I always hated those review too. They are nerve wrecking. Good luck Hope you did good.

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GIGABYTEFL 10/1/2009 1:14PM

    You will do fine, remember to smile and say thank you very much for calling that to my attention.

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MOJOSOUND 10/1/2009 10:38AM

    Stay strong
You are not lost
Come on and fix your eyes ahead
There's a new dawn to light our day, our day
You've gotta stay strong
You and I run
For the prize that lies ahead
We've come too far to lose our way, our way

Newsboys - "Stay Strong"

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MSLZZY 10/1/2009 8:18AM

    You've got longevity on your side and that should count a lot! I wish you the best but I think you'll be fine. emoticon

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MARCHMAID 10/1/2009 6:53AM

    Hey, Dorothy, get a grip! With 19 years behind you in this organization, you obviously have historical memory and know how the place works--or should work! Tuck the lion in your pocket--he really does have courage--and model the scarecrow to think it through.

Then go for a swim!

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SYROD115 10/1/2009 5:59AM

    Think positive! You are going to get a great review look at your track record.

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FITKAT2010 10/1/2009 5:51AM

    Enjoy the review. I'm sure you are fretting over nothing, truly!


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JEANSHEP2 10/1/2009 5:43AM

    Great attitude! You can't lose!

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