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SASSISPRING's Photo SASSISPRING Posts: 10,868
8/5/14 5:51 P

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Hello. How are you all doing? I saved up on my little wage, but my nephew ran into problems - lost his job, all the stuff that goes with it, so I helped him out. It felt good to be able to help, but he didn't get a job as quickly as he thought, so he is still working on paying me back. He will though, he's almost done the first month and is slowly getting back on his feet. Hope you are all doing well this summer.



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SASSISPRING's Photo SASSISPRING Posts: 10,868
10/6/13 9:47 A

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Hello. Welcome to the new members. Is there any goal that folks would like to focus on this month?



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SASSISPRING's Photo SASSISPRING Posts: 10,868
8/5/13 2:56 P

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Good for you, that's a great start.



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8/5/13 7:32 A

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Started to organize all my financial information into one place. I've always known my balances, but now I can verify what I know all in one place. Also started me thinking about doing more consideration before any purchase.

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SASSISPRING's Photo SASSISPRING Posts: 10,868
7/10/13 1:04 P

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Welcome to all our new members. How is everyone doing? I was given a monetary gift on the weekend - $3000. I put 1/2 into my TFSA and the other half on my credit card. It made my parents very happy, as they were hoping that's what I'd do with my gift (from them). Hope everyone is doing well.



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SASSISPRING's Photo SASSISPRING Posts: 10,868
6/23/13 9:22 P

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Hello Everyone emoticon

Is there anything that people would like to discuss or have information about? Let me know. For conversation starters, I propose sharing one thing that you did RIGHT this past month in terms of finance. Sometimes we get bogged down on what we do wrong, let's celebrate what we have done right.

I'll start the ball rolling. I have a Tax Free Savings Account and "borrowed" $200 from it, over the past 2 months. I had training down south and even though meals, hotel and travel was covered, I was concerned that if things go wrong, I have no extra cash on hand. I also had a couple chiropractor sessions and massage therapy session to get my body back on track. Add on that my car required repairs, so I borrowed and hoped that by August, I could put it back. Instead of August, I put it back today - the entire amount. I am not short in my chequing by doing that, I made sure to pay my bills first. It sure felt good. :)



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SASSISPRING's Photo SASSISPRING Posts: 10,868
2/18/13 2:52 P

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Sounds like you've made and are making great strides to building back up your credit and paying off debt. You've made solid plans and good on you for following through on them. Student loans are tough. And you've learned from the past, that's really what is important. :)

I did not have to pay income tax this year, as accounting corected the issue from last year. I finished paying off the $2200 of back taxes last month. I will recieve around $100 for income tax refund this year. I set up an increase in my payments to the TFSA (tax free savings account) from $50 monthly to $50 bimonthly. That is my emergency/vacation fund. I started up a new RSP (registered savings plan) of $50 monthly. That will provide me with a wee little bit at the end of the income year, for income tax purposes (the RSP). I cannot contribute what is recommended but it's a start.

My struggles are currently wtih the costs of food. It has climbed steady over the past years and it's anticipated by the end of this year, our food costs will have doubled. I'm broke from eating and if I could cut back, I would. I don't eat out, I don't eat junk, I eat small portions and it's breaking me. I'm on a doctor supervised diet and eating regular food - vegetables, yogurt, meat, fish, cheese - and no grains, beans, milk. I eat around 11-1200 calories a day, so I'm not over-eating. I was down to 700 calories per day - as recommended by the doctor - and we had to increase it, as I was faint, experiencing anxiety attacks, nervous, short-tempered and generally unwell (within a few days of dropping the calories).

Others in the medical group meetings share that they drive to the city and go to Costco, where they purchase bulk food. Being single, not a Costco member and living on one income, I have to say it's very frustrating when I'm told to do that. I have to buy small amounts, in town and it's draining my bank account. If I buy bulk lettuce - for example - I have to share or it'll go bad before I have a chance to eat it all. They were raving on buying 4 large chickens at Costco for a cheap price; suggested we all go out and do the same. If I did that, I'd end up throwing out at least one chicken due to freezer burn. I wouldn't eat it fast enough. I have a small fridge freezer that isn't great, so I don't keep much in it.

It's also not an option to bulk purchase with people, as they are all married (many with children) and they have no interest in bulk buying together. So that's out. Besides, I'm not friends with anyone in the group, so it's not something I'd even approach them with.

It's frustrating. Between that and the cost of gas increasing I want to scream. We have been in contract negotiations for a long time, working without a contract for over a year and no raise (not even cost of living raise) for around 10yrs. The sector I work under is the lowest paid sector in the province - even minimum wage took a big jump/raise last year. I'll keep plugging along but it's so frustrating. I don't go out, the only expense I have is my internet that is cheap as I have a basic plan and the odd scrapbooking weekend. I can't wait for this diet to be done, so I can return back to stretching out meals with pasta and rice.

Anyhow, that's about it. I know I have it better than I did before -as I would never be able to eat this way in the past (fresh fruit, vegetables and meat). I have decided to cut back the cheese as it's going through the roof in price, and it's optional, so I'm pulling back. I'll just keep plugging along. :)

Edited by: SASSISPRING at: 2/18/2013 (14:58)

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LA_MARY's Photo LA_MARY Posts: 143
2/18/13 1:27 A

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Hi all!

Sassi, it did finally warm back up so now it's just seasonal. I hope we don't have another winter like that. You can imagine what it did to my utility bills.

Ginger, glad that the tax refund will make a difference for you.

I have been very intentional about not spending just on a whim, and focused on spending down the debt that I've taken on, including starting payments on those terrible student loans that I got when I was in grad school many years ago and the ex-husb and I did not borrow prudently. I am afraid to say (though not afraid to say it here) that we were those people that used the money for living expenses and not just for school. Very sad.

But I am optimistic that this year will start to really turn the corner for me.

Sassi, I have been working at not eating out - both for health and for money! Both are better if you can plan ahead. I've been using the slow cooker a lot and there's usually enough left over so that DH and I can take our lunches - saves money there. I've been getting a lot of recipes from magazines and also I joined Pinterest and find other pins there that people have already made and commented on it. Let me know how that is going.

Take care, everyone! Have a great week!
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SASSISPRING's Photo SASSISPRING Posts: 10,868
2/3/13 11:45 P

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I hope the tax refund really helps you out Ginger.



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2/3/13 12:21 P

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Can't wait for my income tax to come in and fix my bills about 800 dollars behind. This will catch it up and we can start over. Thank goodness for income tax refunds

Have a great day!!!


 
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SASSISPRING's Photo SASSISPRING Posts: 10,868
1/14/13 2:37 P

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Good morning.

Yes LAMary, 30F for LA is very cold for that area. My friends in San Francisco were complaining about it. My one friend who grew up in Indiana said he moved to SF to get away from scraping his windows, he wasn’t impressed. Has it warmed back up there yet? You all aren’t made for cold winters, at least here we are used to it.


It’s been around -26C here and with wind, it made it even colder. We also had more snow but not the big dump that we had the other day. It’s warmed up to -8C today, feels like a heat wave. ~laughing~ It was nice to turn down my heat in the apt, as electric is so expensive.

Albelha1, did you find a job yet?

Ginger151, that is the best attitude to take – that you cannot change what has and is happening, you can change your attitude and approach. It is best to focus on what you can change, work in small steps towards the end goal. It sounds like you are doing that with focusing on not spending on what you don’t really need.

It looks on my payslip that payroll did the calculations correctly this past year, so I should not owe any back taxes. In fact, if it was done as requested, I should be getting a refund. If that happens, I will use it to pay off on the one credit card that I used for my car repairs and other incidentals. I also took time to go over my bank accounts and will close the one savings account that I have. It costs me money to keep it open and I never keep enough in it, to warrant the service charge. I have another savings account – tax-free savings account – that doesn’t have a service charge and I maintain that account with monthly installments. When I set up the original account, there was no other option but the government set up the TFSA a few years back, so might as well focus on one savings account rather than two.

Cost of groceries is climbing and it’s predicted that it’s going to hit an all-time high here shortly. I live in a rural northern community and access to fresh veg/fruits is limited in the winter. We do have it brought in from the south but at a high cost – even without the raise in costs. Meat and especially fish are supposed to climb – although I’m not sure why fish is climbing when it wasn’t affected by the drought in the USA. Part of me is frustrated because our province doesn’t practice local consumption and even though I live in a province that produces more than enough for everyone, we still get our produce from Chili or Fiji or California. I swear the politics of food is so frustrating and aggravating. My mum and I were talking on how we miss having a local butcher in town.

What do people do to keep down food costs? Let’s share different ideas and help one another out on this.

When I lived on the poverty line I was extremely creative, however, some things I did wrong – don’t regret it, as you do what you have to do. I used to eat once a day, buy one burger at McDonald’s for $2, didn’t consume anything else during the day. The right way that I also did was create soups, stews and casseroles out of the cheapest cuts of meat, with almost rotten veggies that were on sale and add pasta shells to extend (the soup). Currently I buy the cheapest vegetables and fruit, buy small cuts of meat and yesterday, I bought wild salmon cuts in a box, that were on sale. I plan to make batch meals.

Have a good day all.




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1/13/13 1:30 P

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Having major problems after Christmas and didn't spend that much either. But income tax time is coming and I can get caught up in then, but going to get as much caught up as I can now. Not spending anything we don't have to but there is nothing I need or want now anyways. So I have decided to keep a positive attitude and just work on fixing the problem, instead of worrying and stressing myself out about it. Besides it doesn't help anyways so it is a waste of time to worry about it.

Have a great day!!!


 
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LA_MARY's Photo LA_MARY Posts: 143
1/12/13 1:47 A

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Hi Sassi and all,

Sassi, hope that they are able to help you out, not sleeping is terrible. I had a friend who definitely struggles with that. Prayers that they can diagnose or at least eliminate what it might be. That is great news about your tax bill! I'm paying mine off as well.

Albelha1, hoping for a new job for you to support your goals!

All the best to you and our other friends on this board.

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Freezing in California (literally it's in the 30s!!!!)
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Mary


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SASSISPRING's Photo SASSISPRING Posts: 10,868
1/4/13 1:26 P

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ALBELHA1, I hope that it all goes as planned with hitting the weight goal and with finding a job. You have done very well with the weight goal progress, that's a good chunk of weight to have lost. Good for you.

I went to my doctor in December and he ran a big panel of blood tests. I think he tested for everything we could possibly think of. I was diagnosed with mild sleep apnea and provided with a breathing machine. I still struggled with exhaustion, hence the blood tests. We also discussed the fact that I cannot lose weight, it always finds me. I know, baaad joke. ;P The thing is, over the past 2yrs (especially, although it's been a decade since I was able to lose weight) I lose and gain the same 10lbs. I informed him that as odd as it sounds, being down 50lbs, even though I was still considered clinically obese, was far healthier than this current weight. I was heatlhy then, active, muscular and my joints didn't scream as loud. My thyroid has been stable for years - as I'm on medication - and in fact, it's always running a little high . We keep it there because if it's set to normal levels, my body reacts as if I'm hypo-thyroid. He's perplexed, as am I, as to why I am chronically exhausted and unable to lose weight.

I will see him on Monday and go over the tests. I am on the wait-list for the group medically supervised weight loss that is taking place in our medical clinic and hopefully that will start up soon. It's a frustrating puzzle, that's for sure.

On another note, it's snowing. It's around -10C, so warmed up enough to snow. It's supposed to snow all weekend. We already had lots dumped before Christmas, so this will make those who ski and snow mobile very happy.

Last, good news on fiances. My workplace made an error with my tax rate and as a result, I owed $2200 to Revenue Canada. (income tax) I have been making payments every 2 weeks and after 2 more payments, the bill will be paid in full. I'm very happy about that!!



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ABELHA1's Photo ABELHA1 Posts: 27
1/2/13 6:23 P

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Happy New Year! I'm looking forward to finding a job that pays both the bills and nourishes my soul or at least doesn't tarnish it. If all goes well in 2013 I will have reached my weightloss goal by June (currently approx. 140lbs down, 40-50 more to go) and trimmed down my debt as well. Cheers and blessings to us all!

LA_MARY's Photo LA_MARY Posts: 143
1/2/13 5:26 P

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Happy New Year, everyone! emoticon

Hope the holidays were great and did not break either the bank or the weight bank! emoticon

What are your goals this year and how can we support each other in getting there? emoticon

Have a super last part of the week and the first weekend of 2013!

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12/28/12 11:02 A

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I didn't do great but last year wasn't a total disaster either. So I will be proud of what I did right and learn from what went wrong. I will repeat and work on improving my budget and finances on a daily basis and not repeat the the experiences that went wrong.

Have a great day!!!


 
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TJKERB's Photo TJKERB SparkPoints: (1,167)
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10/14/12 10:50 A

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I really like your Albert Einstein quote.

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10/5/12 12:32 P

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I am beginning to see some light at the end of the tunnel. Almost broke even this month. Feeling better and I know we are going to get through this and hopefully soon have an actual balanced budget. I did lose a pound so that was good keeping positive attitude toward my life and everything else in it.

Have a great day!!!


 
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SASSISPRING's Photo SASSISPRING Posts: 10,868
9/13/12 5:07 P

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How is everyone doing?

I just got back from a 5 week road trip. I lost 3 lbs from all the walking and stayed on budget. I borrowed money to go, as life hit me and I realized I would be short. I paid it back upon return, as I had promised. The trip was not the issue, it was living out of suitcases in Disneyland in a time share that didn't have a kitchen unit. But I did watch how I ate and while I did indulge at times, for the most part I ate as healthy as possible. (and as cheap as I could) While I did pick up gifts for people, they were small and affordable which allowed me to pick up a couple things for friends, when initially I wasn't sure I could.

What got me was there were no post offices in Anaheim that we could access - even the time share people couldn't think of where one was. I couldn't send out any post cards from there because stamps from the machine were twice as much - to allow the company to make a profit. So I sent them from Canada. Seemed silly to me.

I also visited family and friends, did a trip up the Sunshine Coast (BC) and into the Okanagan (BC), then home. Lots of driving, one good plane trip and really enjoyed myself. Even though I've only been back to work 4 days, I'm ready for my next trip now. LOL!



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OHANAMAMA's Photo OHANAMAMA SparkPoints: (103,723)
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8/17/12 11:01 A

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Edited by: OHANAMAMA at: 8/17/2012 (12:12)
~~ Renee' ~~ Hula Girl at Heart ~~
Casual Traveler - Central Time (AR, USA)

"Do you suppose she's a wildflower?" ~Alice in Wonderland

Be whoever you are extremely loud and be completely fearless when you do it. ~Gerard Way


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8/12/12 9:43 A

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Feeling better and I think things are starting to turn around. Taking care of myself, my financial responsibilities, and finding ways to cut expenses. I am also keeping a positive attitude on the situation. It isn't perfect but getting better. As long as I look at it this way I will succeed. emoticon

Have a great day!!!


 
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SASSISPRING's Photo SASSISPRING Posts: 10,868
8/9/12 2:27 A

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That's very true. It's a good reminder to really think before you spend. Thanks for sharing.



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BEETH52's Photo BEETH52 Posts: 9,498
8/5/12 2:30 P

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Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like – Will Rogers




I WILL go confidently in the direction of my dreams!!

I am worth it!!


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SASSISPRING's Photo SASSISPRING Posts: 10,868
6/25/12 1:08 P

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LA Mary, good on what you've accomplished with the shopping addiction and gaining control of the spending. That is great progress and to be proud of. I'm glad you shared about the shopping addiction as it's never really been an issue for me. I had a short period when I left the Arctic but that's pretty normal - which I found out when I went to a friend who had left the Arctic a few years earlier than me. In the high north we come out once every 6 months to shop (in those days, no internet shopping or shopping channels on TV) and it was hard to break away from power shopping habits. But being broke helped to stop that in its tracks. *laughing* Gotta love low paying jobs, casual labour and working for non-profit. *groan* The work is great, the pay is not and living on casual employment through a recession didn't help matters at all (in the early 80s and then, early 90s) but I diverse.

Sounds like you are taking good steps forward, both of you – LA Mary and 2ManyCherries. Keep on looking forward, you’ll both be there in no time.
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2MANYCHERRIES's Photo 2MANYCHERRIES SparkPoints: (1,273)
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6/24/12 2:25 P

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Thank you so much for the tips and ideas La Mary and SassiSpring. I am definitely going to give them a try. I found some help on different sites on the web too. Things are really looking up. I believe the money problems or (having money) is the main cause of my anxiety too. I set up a bill due sheet which is a new idea. And I will put some money into the savings and church, but other then that I have to save for The Great Escape, and that is about it. I also emailed a therapist over this weekend, so I will be talking to someone! Can't wait!

Edited by: 2MANYCHERRIES at: 6/24/2012 (14:27)
Living consists of a first step and a smile.

"I may not be able to go thru this alone, put your hand in mine and we'll try this together"

Who ever said Life would be easy? I didn't expect it to be as difficult as it has been, but hey I was challenged and I succeeded!!!! Now I just have to shed this skin
New SparkTeam I think you'll LOVE:
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LA_MARY's Photo LA_MARY Posts: 143
6/24/12 2:08 P

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Sassi gives really great advice about the steps. After a divorce, my credit was pretty shot. Not to mention that he made so much more money than I did, and I didn't really pay attention. My own fault. emoticon

Only now, about six years later, am I starting to get back on my feet, and a second marriage to a responsible grown-up has helped, too.

I subscribed to a couple of e-mail newsletters, one of them from right here on SP. Mostly I need the motivation and encouragement. Too, I have always saved coins but started a "$5 jar". When I get a $5 bill, I don't spend it, but stuff it in the jar. Then when it gets full, you pull it out and deposit it towards some goal.

I, too, am a real shopaholic. A couple of months ago I put myself on a shopping fast, and only bought what I really needed, trying to journal on the wants...after doing this intentionally for about 8 weeks, I am really much better now and my wants are shifted as well. I instead tried to put some money, however small, $10 or $15 to some worthwhile charity, or pay off a small part of a debt. This really helped me gain perspective.

Hang in there!

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~Mary

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SASSISPRING's Photo SASSISPRING Posts: 10,868
6/22/12 1:28 P

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I respect your honesty, as it takes much strength to come forward and speak as direct as you have. Shopping addiction is similar to any other addiction, in that it pulls from within and is used to take care of needs that are not being met. The other similarity is that the action of shopping releases chemicals in your brain, which creates a momentary feeling of “high” which creates a feeling of good inside. Then like any addiction, there is the crash afterwards, which creates the pull to feel better and the addiction cycle continues. Even though the short term solution is not to go to the stores that create this pull to shop (such as craft stores), over time your mind will start to seek out similar “highs” in other stores (such as a grocery store). The key is to deal with the issues within and reading the book is a great start. Right now when you are so focused on not shopping, write out alternate actions that you can take when you crave the addiction. Typical actions are walking, exercising and such, however, personalize it. When I was in so deep that I said “to heck with it all”, I had to set up little steps. I’m not into goals, so steps were my take – such as I could save coins and when they reached a certain level, I would go on a trip. I would get the craving, would walk away, and sit down on a bench in the mall soaking up the atmosphere. Then I’d get up, walk around and leave. The feeling would have passed. Find your own personal way and write it out, that way it’s there when the craving is strong. Set up a small budget, I couldn’t do a year budget, so my budget was every 2 weeks. Start with the smallest debt and pay it off, then the next and the next…it’ll change how you see yourself handling debt. Good luck with it all. Contact me if you want to talk further on all this.



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2MANYCHERRIES's Photo 2MANYCHERRIES SparkPoints: (1,273)
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6/21/12 2:58 A

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I have been out of control with spending my extra after all the monthly bills get paid. Especially with wants instead of my needs. I have a room full of crafting stuff, and some that I will probably never even touch. I didn't know if I should post some of the stuff on craigs list or the newspaper and put that money into a emergency savings? I realize that this has gotten out of control. I am starting a tracker of where the money goes asap. Also I have a few books on finances. Not Dave Ramsey, but I have a few Suze Orman. Anyway, I am currently reading How to Tame your Finances which touches on religion a bit, but that is ok with me.

I realize my problem, but I do not know how to stop it? I am addicted to spending money to make me feel good, and most of it is impulse. I just have to stop going to stores. Another of my problems are as soon as I get paid, it is gone shortly after. Then I have to scrounge for the rest of the days until payday.

To be totally honest with you, I so far behind in back debt that I had kind of let it go for awhile. That is awful and I feel terrible, but credit score just didn't matter to me because I was so caught up in "feeling good" with impulse spending.

I am not going to let this bring me down right now, I fight enough negativity everyday, Im not going to allow myself to feel depressed. But I have small debt compared to some, but its debt nonetheless. And starting today I am determined to change my destructive habits, pay off back debt, and repair my credit. especially my score. I realize this take years and years, but im up for a challenge.

Living consists of a first step and a smile.

"I may not be able to go thru this alone, put your hand in mine and we'll try this together"

Who ever said Life would be easy? I didn't expect it to be as difficult as it has been, but hey I was challenged and I succeeded!!!! Now I just have to shed this skin
New SparkTeam I think you'll LOVE:
www.sparkpeople.com/myspark/groups_i
ndividual.asp?gid=57211


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SASSISPRING's Photo SASSISPRING Posts: 10,868
6/18/12 12:44 P

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MaryB it is hard when you are dealing with stress, as it really drains a person both emotionally and physically. Mary shared great ideas on coping. I'll add another one, think about snowball debt payments. The idea is to take the bill that is the smallest amount owing. Double the payments on that one bill, for the rest pay minimum. When that bill is paid, soak in the feeling of accomplishment, then choose the next bill. It creates within a feeling that you can do this, that you can get ahead of debt and you are successful. Which in turn creates the feeling to stay on track and focused.

If you haven't created a budget, take time to do this as it'll allow you to have breathing room when you sort out where the money is going. There are many free budget plans on the net, just Google "budget worksheet." Personally I lived pay cheque to pay cheque, so my budget was written on a 2 week plan. The first two weeks in the month focused on auto-payments and rent; the last 2 weeks focues on auto-payments, other bills (hydro, telephone) and food. I put small amounts into savings - which was my back-up money if something came up. It was dipped into many times but I had it to dip into, so that was really helpful. It takes off pressure when you know what's happening with your money.

Talk about it. I chose my family - parents, brother and sister'n'law - plus a couple close friends, to share my success with coming out of debt and my frustrations. It helped to know that I wasn't alone and that they were supporting me. It's also okay to come here to the team and rant about it all.

If you find yourself reaching for food, make a plan now to replace that behaviour. Write up that alternate behaviour, post it on the fridge or wall where you can see it and when you reach for food - it'll remind you. I used yoga to de-stress, music, reading books, watching movies, going for walks and yes, finding a place that I could scream. I often went for drives - before gas went through the roof, up here in Canada it's almost $5-6/gallon - and would jack up my music really loud, sing at the top of my voice as that realized tons of pent up energy.

I also had a calendar and count down to being debt free. Part is that I was invovled with a credit counsellor, so I had a deadline and part, to see the progress. I also saved coins for trips, cashed in bottles, cut back in many areas so that I'd have money for a trip and all those things helped me to stay on track.

I wish you all the best with it.



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LA_MARY's Photo LA_MARY Posts: 143
6/18/12 1:47 A

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Hi MaryB,

Stress about money! That is for sure! I am with you.

My coping includes: taking a walk - every day if possible, if not every day then as often as you can. I also work from a pretty strict budget. I know I can't pay everything off right now, and I know I have to have some money put aside for expenses that will come up. e.g. I have kids and when they go back to school in August I will need money put aside for their expenses. I try my best to track my progress on that.

Also, I downloaded free apps onto my smart phone. One is to help me meditate! It is actually very relaxing and freeing for the mind. Another one is a free internet radio app that I use when I'm walking.

There will be some weeks that you fall off the debt wagon. That's OK, just get back on. Reward yourself a little bit. And hang in there. You're making progress even though it does not feel that way sometimes!

emoticon
My best to you,
Mary

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MARYB2431's Photo MARYB2431 SparkPoints: (212)
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6/14/12 8:28 A

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how do you you deal with stress that comes from money problems i over eat when im stressed and my biggest stresser right is money i dont even get to shop my money goes to house hold bills needs or food as well as what ever i need to get into school i try to save money to start paying off old bills and yet every time i get paid theres another bill its very stress full

goals 10 lbs get nails done (done 06-28-12)
20 lbs get pedicure (done 7-12-12)
50 buy new shoes
100 lbs cloths shopping
200 lbs going on a cruise got along way to go but each day im getting a little closer and in the end i will meet all my goals im the only one getting in the way of my sucess


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5/26/12 1:55 P

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Doing better and getting a handle on my finances and budget.Not perfect, but making progress.

Have a great day!!!


 
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LA_MARY's Photo LA_MARY Posts: 143
5/19/12 1:50 A

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It's great that you can recognize the pattern, because that means you can make a plan and act on it - to get to your goal!

Don't despair, there are a lot of resources and support here and I know you'll find things that really can help you.

All the best,
~Mary emoticon

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SASSISPRING's Photo SASSISPRING Posts: 10,868
5/17/12 12:26 P

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Welcome to the team. Feel free to look around, as there are a few posts about emotional eating, debt and returning back to debt after paying things off. It's not an unfamiliar cycle. Together we can all rise above that cycle, one step at a time. Glad you found us here. :)



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KAPPYBOOK Posts: 25
5/15/12 5:07 A

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Hey folks, thanks for having this page. I'm SO VERY aware of the connection between emotional eating and emotional debting. I was relieved of my last chunk of debt last year as a birthday gift from my father, and have managed to wrack up the same amount of credit card debt in 9 months. I don't want this to be an issue of shame for me. Because if I feel guilt or shame about something I will inevitably eat over it. THAT's not an option for me on this path either. Just wanting to say Hello and wish you all a great day!

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SASSISPRING's Photo SASSISPRING Posts: 10,868
5/12/12 1:23 A

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That's great how you are focused on taking care of yourself and your kids, along with still allowing a little bit for fun. And that it's still less than what you were doing before. Great step forward.



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LA_MARY's Photo LA_MARY Posts: 143
5/12/12 12:48 A

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Good to see everyone.

I made a commitment after last paycheck that I would not shop...this is hard! But I have so many summer expenses that will come up for the kids and need to pay attention to all that.

I did allow myself to buy food and occasionally eat out even during the week though. That has helped and been much less than my shopping habit!

~Mary emoticon

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SASSISPRING's Photo SASSISPRING Posts: 10,868
4/30/12 6:14 P

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Thank-you for sharing the link, I've made the link live for others. :)

money.msn.com/shopping-deals/the-102
-b
est-money-websites-weston.aspx





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A10TIVTRTL's Photo A10TIVTRTL Posts: 1,861
4/16/12 7:56 A

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Today saw a great article on the web about the 102 best money websites. Here's the link to the article - I found some interesting sites I hadn't heard of before in this list. Worth checking out.

http://money.msn.com/shopping-deals/the-
102-best-money-websites-weston.aspx

SASSISPRING's Photo SASSISPRING Posts: 10,868
2/8/12 5:22 P

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Welcome to the team.

Just know that if you are only paying the minimum on the cards, that you will be years before you can actually pay them off. I'm not sure of the USA but up here in Canada, the credit card companies have to legally state how long it will take someone to pay off the card at the min. payment rate. Anything that is higher than around 10% means that you'll be paying for approximately 25yrs. (depending on how much you owe). A general rule of thumb is to pay at least double the min. payment. If you cannot do that, look at what you owe and the card that has the highest interest rate. Pay minimum on the rest, pay double on the highest card. Since you shared this is a habit - to use the cards - take scissors and cut them up. Forget freezing them, it's too easy to thaw the cards out. Write the companies and inform that you are closing the account as that'll stop you from using the numbers for online purchases (as the card will come up as invalid). I had no success at having the companies lower interest rates, in fact each time I called they increased my rate. It is really tough, I feel for you. Know that it does work when you set your mind to it. I am debt free after a long haul and it feels good. Know that when you start to see success that the bug to buy becomes overwhelmed with the bug that says "wow this is such a good feeling." The other piece is if you are compulsively shopping, to look at other activities that you can do to off-set that impulse to spend. We can help brainstorm that for you, here on the team too. All the best!



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DEBBIE-WEBBIE's Photo DEBBIE-WEBBIE Posts: 282
2/8/12 12:21 P

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Hi,
just introducing myself. Been up and down with credit card debt the past five years and what put me over the top was two of my cards raising my rates which brought the minimum payments to more and not making a dent. I called Visa and Master card and they could care less. One is 30 percent! So now I'm paying them off and on a budget. I haven't used any cards including stores since May. Feels good but very very hard to break the habit.

Good ideas on here - glad I joined.

First goal is to be in one-der-land. 2013 is it - I will lose 30 to 40 pounds. Why because I'm doing it for me - I discovered that I matter!


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SANDRAE2011's Photo SANDRAE2011 Posts: 35
1/3/12 1:04 A

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I like that commitment I am going to join u I think 3 months is a great start

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11/26/11 11:36 A

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I have been down this road many times! I live pay check to pay check. I have considered and re-considered bankruptcy. Right now I am sticking to debt consolidation/debt settlement. I feel your pain. I dread having to check my bank account! Every day is tough especially when you don't have support from friends and family...Hopefully the decisions I have made now help in the near future!

SASSISPRING's Photo SASSISPRING Posts: 10,868
10/26/11 1:06 A

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Jewel I know many have filed bankruptcy here and others have gone another route, so hopefully they'll come on and share their stories. I searched for specific boards but it seems spread all over. If you put bankruptcy into the search engine for the group (not SP search), it'll come up with the different boards.

Ginger, that is great. WTG!!



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10/25/11 12:08 P

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Another month has come and gone. I am proud of myself this is the first moth in about four months. There is hope I only have 2.00 dollars in the bank but at least I am not overdrawn. I am proud of this victory as small as it may be at least things are turning around.

I hope everybody is having a good day and I am feeling less stressed about the bills.

Have a great day!!!


 
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JEWELS2829's Photo JEWELS2829 Posts: 166
10/21/11 3:53 P

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As anyone ever filed for bankruptcy before? I am getting to that point right now! Any suggestions!

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LA_MARY's Photo LA_MARY Posts: 143
9/18/11 12:59 A

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Sheriann,

Definitely you are in the right place to get support and find great tips! We will be thinking of you as you go through this next tough patch.

Keep us posted and post here if you need things!

~Mary emoticon

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MYSHERIANN's Photo MYSHERIANN Posts: 1,801
9/17/11 10:53 A

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WOW- WHAT AN AWESOME PLACE TO GO TO LIVE HEALTHY BUT STILL MAINTAIN THE TIGHT BUDGET!!!

I have decided to put school and my health on the front burner while only working part time. UGH- THIS IS EXCITING YET FINANCIALLY GOING TO CUT IN THE FAMILY PRETTY BAD.

This was a VERY hard decsion to make as I felt guilty not providing like I expect myself to, but in the end it's smarter to live very tight and take care of my health than it is to make a bunch of money and have a heart-attack. (sigh) It's a humble place to be!

I found a list of inexpensive healthy foods to purchase on this team, but lost the thread lol. I wanted to THANK THE PERSON WHO MADE IT as I used the list to complete my grocery list. We are going to be VERY VERY tight for a while, so the list helped alot.

SUPER excited to have a support group while going through this tough time!!!! :D

"Everybody is a genius. But, if you judge a fish by its ability to climb a tree, it will spend its whole life believing it is stupid." ~Albert Einstein


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SASSISPRING's Photo SASSISPRING Posts: 10,868
8/31/11 9:27 P

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Yeah ex's - as the saying goes that's why they are ex's. Mine left me with heavy debt, denial that he put me in debt and walked off. I chose not to pursue it in court. I knew he didn't have the money - the company went down after I left - and I did not want to mess with my relationship with his daughter. I knew if I pursued it, he'd block access and she was worth more than the money he owed. She's now 30yrs old and we still have a relationship. Makes it all worth it. I like what you said about karma, too true!! So yeah, can relate to what you shared Mary, totally. :)

Sounds good BeeTeachable about sticking to the budget and Ginger, good on you for setting up a budget.

I'm heading out on holidays Sept 9th and returning home on the 22nd or 23rd. I'm actually off work on the 4th. I can't wait. It's been really tough at work, between the clients and the bosses, it gets quite exhausting. Heading over to Alberta and meeting up with friends, including one from SparkPeople. I can't wait!!

I will be over my budget but that's okay. I have plans set up and it's all good. I haven't left this area since 2009 and I really need to get away. Emotionally need to get away and heading over to Alberta is actually cheaper than many options. I simply don't get a break staying here in town. I never get away from my work, people stop me and talk -even saying "sorry remember I'm off until ..... please contact your social worker" is exhausting. I need to escape and not think of my work. So yeah, its worth going over the budget and having a back-up plan to pay things off. Totally.





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8/29/11 8:05 A

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Had a good weekend and I figured out my preliminarily budget for September. It came out good now how is going to work in real life I will see but at least it is a diagram to work from which makes my budgeting a lot easier.

Have a great day!!!


 
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BEE_TEACHABLE's Photo BEE_TEACHABLE Posts: 150
7/5/11 7:59 P

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Hey all emoticon if you read my latest blog, this might make more sense. I have commited to at least a 3 month freeze on spending not $1.00 extra. For a very good reason.


Jewel

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LA_MARY's Photo LA_MARY Posts: 143
6/29/11 5:48 P

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Sassi,

You really need those days off! Hope a little protein kick will help out. I've been keeping mineral water in the frig at work - no sodium, no cals, but just something a little sparkly to perk me up in the afternoon...

Glad to hear that your friend got her settlement as well. My girlfriend from work and I think our ex's are "twins separated at birth" with all the stuff they try to get away with. They even have the same line of work. The last time he took her to court, they spent all day there, his support amount was NOT reduced, and when he got out of the courthouse, he found his car had been towed from an expired meter. I told her it was karma.

So good that you and your friends rallied to help her out.

I try to do the same with a good friend who is long-term unemployed and been very discouraged about the job prospects and looking.

Thank you, yes, it does take some of the load off!

Take care and see you on the board soon.

All the best,
Mary emoticon

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SASSISPRING's Photo SASSISPRING Posts: 10,868
6/29/11 5:39 P

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Hello Mary: Glad to hear that the 401K split was resolved and that you have money for the wedding expense and breathing room. That's great. It probably felt good to see staff at the Credit Union do a double take on the cheque too.

As for child support, my bff never received any child support for her 3 boys. Her ex left the province, she wrote up the divorce, got the terms she wanted and that was that. We knew that you can't get blood from a stone, so no point in trying to move that boulder uphill. Plus she was the main wage earner in the family, as he wasn't reliable, and that doesn't look favourably in court - when the main wage earner applies for support. Bottom line we celebrated when the final papers were signed and her friends (including me) rallied around to assist with monetary issues as the boys grew up. Plus its amazing (at least here in Canada) what there is out there for single parents to access -such as funding for joining Boy Scouts, participating in sports and such. But yeah, it does make life tight and good to hear that your ex had to pay his due and make your load a little bit easier.

That coffee did not do the trick, I want to lay down and sleep. I guess I'll eat some peanuts and get protein into my system. That might wake me up.



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LA_MARY's Photo LA_MARY Posts: 143
6/29/11 5:21 P

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Hi Sassi and the Gang!

Hope everyone has great holidays that are coming up.

I am encouraged that finally (FINALLY) my ex- settled his 401K split. They have a special program so that if you take money out at the time that you do a withdrawal at the time you roll the amount over, that you pay taxes but no extra penalties. They must know that a lot of spouses have money stashed only in the retirement! So, once the deposit clears (my credit union was highly amused over the big check I brought in), we will be able to pay off our 2010 taxes, have money for my step son's wedding, and breathe a little bit. It's been so challenging because even with a court order, the ex- has not always paid his child support. That's been more regular as well now, the State was able to catch up to him and they withhold from his check.

So, I don't want to be just doom and gloom and complaining about ex-husbands though that could be easy...

I joined a site called "LearnVest" and it has some nice articles on money, budget, retirement, etc. Here's a link to an article (let's see if I can get it right this time...)
www.learnvest.com/money-tuneup/credi
t-
and-loans/credit-karma-answers-are-tR>here-certain-things-i-shouldn%E2%80%
99
t-purchase-on-my-credit-card/


Everyone finish out the week well and have a super weekend!

All the best,
Mary emoticon

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SASSISPRING's Photo SASSISPRING Posts: 10,868
6/29/11 4:53 P

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Hi Mary, no worries. It's an easy fix when one forgets the "add link" button. :D

Up here is Canada Day on July 1st. I'm planning to sleep. I've been working wonky hours and haven't had 2 days off in a row for a month. That combined with high needs clients, hours that have significantly changed and office politics, it means I feel very burned out. No plans and if all goes as I hope, then I'm off for 4 wonderful days in a row!!

I spoke with my credit counsellor and received positive news. I had to check-in because there is a possiblity of our going on strike - right now they are still in negotiations, up to (something like) 18 months. We figure at this rate we'll get a new contract in time to negotiate the next one. Our union wants to avoid strike - trust me in Canada it's not a good thing, gov't tends to overrule and put in back-to-work legislation. Still its best to be prepared. I asked her what will happen if we do go on strike as I'll receive only $300 per week in strike pay. I can make my rent but I might not be able to make the credit card payments.

She said that I am ahead of the game. I used to pay every 2 weeks and it created a surplus of cash in my trust account. Over the past year it's been twice per month, as they moved me onto an automated system. They have been able to pay off one creditor, another one is almost paid off and they are currently paying double the amount of required payments. That means if worse came to worse, they can cut back to normal payments and I have enough in the account to cover.

It may mean that I'll be done before Dec 31st at this rate. Woo hoo!! That definitely made my day. That and knowing I won't need to borrow from my parents. I also have money put away in the event that this happens, so it's all good. Made me very happy.



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LA_MARY's Photo LA_MARY Posts: 143
6/28/11 1:02 A

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Thanks, Sassi! Sorry I forgot to click the "add a link" button.

I hope everyone who is working on their plans is having a great week so far.

I've had some challenges and a few setbacks but hope to start off July with a bang like the 4th of July!



Blessings,
Mary emoticon emoticon

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SASSISPRING's Photo SASSISPRING Posts: 10,868
5/20/11 12:04 P

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That is great news about signing the papers and getting them to court. 3 yrs is a short time for repayment and it'll go by quickly. I am in the last 6 months of a 5yr plan and it's felt like it's gone by in a flash. Awesome this is progressing for you and now, you guys can breathe again.



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SASSISPRING's Photo SASSISPRING Posts: 10,868
5/20/11 12:02 P

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LA_Mary, I made the link you provided "live."

money.cnn.com/galleries/2011/technol
og
y/1105/gallery.Finovate_money_tools/R>index.html




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JAZZERCISEGENIE's Photo JAZZERCISEGENIE SparkPoints: (0)
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5/20/11 11:08 A

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papers are signed and sent to court. Next week the meeting with creditors and court appointed couseling. Then a month start repayment then 3 years we are done.

Geneva Freeman
leader of group hug
leader of Jazzercise
co leader of Ladies of Dayton

leader of facebook
leader of farmtown


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LA_MARY's Photo LA_MARY Posts: 143
5/19/11 1:49 P

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Hi D Havener's,

Here's a really nice article with some useful tools from CNN's Money site:

http://money.cnn.com/galleries/2011/tech
nology/1105/gallery.Finovate_money_too
ls/index.html

Hope you are all having a good week and weekend ahead!


~Mary emoticon

Edited by: LA_MARY at: 5/19/2011 (13:49)
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SASSISPRING's Photo SASSISPRING Posts: 10,868
4/27/11 11:49 P

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JAZZERCISEGENIE, it is good that things are finally starting to wrap up and that paperwork is getting finalized. It sure has been a long journey for you. Great you are finally seeing the end of that long dark tunnel and getting some light on things. Hope those yard sales bring in lots of good cash.

DIVA, I'm not sure what to say. There are different ways to set up credit score, so the best thing to do is read the full report. It will tell you what the numbers mean. When I had my report done it included explanations on everything. I'm sure it'll be there in your report too. Just search around and if not, then go to the site and check that out. There should be something there to explain what the numbers mean. I'm sorry I cannot help more but there are just too many ways for this to be done - not only differences between countries but also between companies that provide the scores.

FCLUCAS, hope that you are able to sell your stuff at profit. The only other suggestion that I have is to talk to a junk dealer, a 2nd hand store dealer or pawn shops. If you have a Buy and Sell magazine in your area (something that is common up here in Canada), list your items there as that provides lots of exposure to buyers.

Edited by: SASSISPRING at: 4/27/2011 (23:51)

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DIVA14K's Photo DIVA14K Posts: 1,218
4/26/11 11:58 A

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I don't get it, checked my credit score, 3/18 my score went up 17 points, 3/19 score went down 17 points. I don't understand.

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FRANCESLUCAS's Photo FRANCESLUCAS Posts: 2,855
4/25/11 4:10 P

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I have looked online but not too sure where to start. I need to get serious. About $1,000 would get me caught up so I could stay caught up!

Today is the best day to begin making changes for yourself and others both inside and out!

Want motivational cards you can leave behind and make a difference in the lives of others? You can order a free sample at: www.leaveabreadcrumb.com

Need inspiriation on how to be a better person on the inside and deal with issues in your life? Follow my blog at: www.francescopelandlucas.wordpress.c
om


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4/25/11 12:48 P

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trying to start anew on diet or eating healthy 1200 calories.

Geneva Freeman
leader of group hug
leader of Jazzercise
co leader of Ladies of Dayton

leader of facebook
leader of farmtown


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LA_MARY's Photo LA_MARY Posts: 143
4/24/11 11:30 P

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Welcome FCLUCAS!

You'll find a lot of great support here.

Have you tried selling your items online? That sometimes works even for smaller items. Sorry I can't be of more help.

Blessings on your week,
~Mary
emoticon

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JAZZERCISEGENIE's Photo JAZZERCISEGENIE SparkPoints: (0)
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4/22/11 11:06 A

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Happy easter team
We are close to the end of bankruptcy filing. wow Oct 15th and this april 22 a long haul but worth it.
Did our on line classes and paid the 49.00 now waiting on email on a cirtificate.
June is going to be our yard sale. Then maybe do it again in aug. Then donate to good will.
Paper work from the filing was intense and difficult. I cried everythime they asked me for more receipts. It was endless. When I first saw the 50 page details of what we would need I thought I can't do this. But I had to what else can we do. We are old and not much time left but really jazzy do you want to face money troubles live without heat and starve. Monday I am starting the 30day 1200 calories in my life. Most days don't eat snack all night and then wonder where did I go wrong. Bad decisions on spending, and food, and depression is so bad on 5 different pills. Please if anyone sounds like me sparkmail me I can help with paper work and give hints on when you first file until the end It may take 6 months but it is worth the struggle.

Geneva Freeman
leader of group hug
leader of Jazzercise
co leader of Ladies of Dayton

leader of facebook
leader of farmtown


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FRANCESLUCAS's Photo FRANCESLUCAS Posts: 2,855
4/21/11 10:10 A

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Looking for ways/ideas of how to get rid of all the excess stuff I have and make a profit...yard sales aren't really working in this area...but will try that again soon anyway...other ideas?? I have furniture, little things....kitchen stuff, etc. Thank you!!!

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SASSISPRING's Photo SASSISPRING Posts: 10,868
4/20/11 2:53 P

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Welcome TATTOOEDFAY!!



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