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JDMAKEIT2HOT's Photo JDMAKEIT2HOT Posts: 8,454
10/27/10 1:33 P

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i also do dave ramsey system.

i have my emergency fund. now i just need to start saving to pay off my debt collectors. i have 4 and 3 out of the 4 are small amounts.

JD

*sparking since june 2007




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KLC1925's Photo KLC1925 Posts: 208
10/9/10 8:15 P

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I use the Dave Ramsey envelope system. I have envelopes for food, copays, kid expenses, etc. This helps me to not over spend because once that money is gone I know it because there is nothing in the envelope. I am also looking for a part time job so I can dedicate that money to paying down my debt.

Sell things that you don't need to put towards your debt. Have a garage sale or put it on craig's list.

Also, Make sure before you start paying on your debt that you have a emergency fund for unexpected things that could knock you off your budget and debt reduction plan.

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SASSISPRING's Photo SASSISPRING Posts: 10,944
10/5/10 6:26 P

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All the terms you guys are discussing are not familiar to me at all. Hope things work out for you Kim so that you get a discount with it all.



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10/5/10 6:16 P

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I've heard of it, but not sure how it works. I'll have to look it up.

Kim

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CJANSEN40's Photo CJANSEN40 Posts: 853
10/5/10 12:27 P

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If a land line works for you try on of the alternatives like magic jack. works through compoter, it's mobile so if you have a laptop and a wireless connection.

I got rid of my land line but we already had full cellphone coverage so it just dropped the $50 monthly

Happy Sparking
Cheryl J

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10/4/10 5:31 P

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I am seriously thinking of getting rid of my landline. I have a terrible time hearing on it and it goes out. It is a cordless phone and I think it does that because of the computer...or so I read and it does it if I am near it. I do have a Tracfone, which I also basically use for emergencies or don't want to use the phone at work if I am going to make a "long" (time) personal call. This is basically a "pay as you go" phone. I pay $20 for 60 minutes, which is good for 90 days. So depending on how much I use it, it may last or it may be used up quickly. Also with that you have to make sure you add the time by the day before it runs out or you have to do extra stuff to get it reactivated and the one time I did that, it was a pain in the butt!

I am looking into two different plans at this time that to replace the cell and the landline. The only big expense would be the phone itself. The plans are through StraightTalk, which is a trademark of Tracfone, and the other is called Boost Mobile. StraitTalk is $45/mo and uses the Verizon towers and Boost is $50/mo and uses the Sprint towers, I believe. Both plans are unlimited talk minutes, unlimited text, and also web. The only difference I can tell is that the Boost has the walkie-talkie feature, which most likely I would not use. WalMart carries both phones/plans. Have to get the money for the phone and depending which one I want depends on the price...I saw anywhere from $40 to $120. My friend has the Boost and he likes it and gets good reception too, even on the lake.

I just need to see if I can fit this into my budget as well. I am just really beginning to hate my landline phones..nothing but static on them and they are new.

Kim

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SASSISPRING's Photo SASSISPRING Posts: 10,944
10/4/10 1:47 P

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Thanks for explaining. I have an old cell phone that is probably 8yrs old. I don't own it, my mother bought it and we share. It's only for travelling or emergencies. The crazy part is that plans are way too expensive (average $35/month for basic plan) so we do "pay as you go." Only you have to pay every month or 3 months - depending on the minutes you put down. The stupid part is that it keeps adding up when you don't use the phone, so right now we have $165 worth of minutes. The most stupid part is if we miss the deadline to renew by even 1/2 hr, we lose it all. I've lost us over $100 a few times when things got crazy and I forgot. This morning I put in for $10 per month to keep the phone active. It's frustrating.

I also read that Canada has the highest cell plans in the world! Right now I'm paying 30cents per minute for local calling. Crazy eh. Yet my landline I'm paying 2cents per minute for long distance. Yup crazy.







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9/29/10 12:54 P

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Haha, a Droid is a pretty expensive phone. It's google's version of the iPhone, thirty dollar internet and all. I love it, though, and I'm not paying anymore now than I was before I got it, but it was 250 bucks out of pocket. It's helped a lot with organization and such, though.

Cheers,
Katie

It comes down to a simple question: what do you want out of life, and what are you willing to do to get it?

There is something about the outside of a horse that is good for the inside of a man. ~Winston Churchill


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SASSISPRING's Photo SASSISPRING Posts: 10,944
9/28/10 4:59 P

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Thank-you for sharing your ideas that work (for you). I have to ask though, what is a droid?



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9/28/10 4:31 P

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27. Mint.com is your friend. I have a Droid (I know, bad Katie!) and Mint even has a free application for them. It's a money management program. If I stick to my budget, I have money left over every month. It's pretty awesome.

28. Pay your credit cards as soon as the statement comes out and/or when you have the money. Period! If you wait too long and you're like me, you'll fudge it or forget to pay.

29. Cut Useless Stuff! This is really hard to do, but my trick is if I even THINK about it - as in "do I really need this?", I immediately put it back. Usually it's something pretty and not needed, just wanted.

30. Speaking of wants and needs; LEARN THE DIFFERENCE! Gas to get to work? NEEDED. Gas to get to Disneyland? NOT NEEDED. They belong in different categories.

31. I, too, get sick of sitting around the house. Therefore I acquire library books, movies, and cheap games on occasion from half.com. I have a small budget for them - 20 dollars a month - and I have netflix (which makes it 30 a month, PERIOD, for 'entertainment'.) That way I don't get so bored. Also my community is somewhat active in fun stuff, so there's that too - I can take a short drive to the park for some free entertainment. I also have a dog and like to entertain her when I'm bored - I brush her, or take her for a walk, or train her. I get creative around the house. The internet is FULL of fun ideas (and my house needs cleaning).

This way, I save hundreds a month to throw at my whopping 12,000 dollar credit debt. It works!

Cheers,
Katie

It comes down to a simple question: what do you want out of life, and what are you willing to do to get it?

There is something about the outside of a horse that is good for the inside of a man. ~Winston Churchill


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SASSISPRING's Photo SASSISPRING Posts: 10,944
8/15/10 8:49 P

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You are correct with generic medications. People tend to be pulled in by the commercial hype and not realize it is the exact same ingrediant, different name. I buy what is on sale as I take Ibuprofin daily. It really makes no hill of difference.

It's a matter of smart shopping. I love that there are price per unit on all items. That way I can really tell if something truly is less expensive (and as good) or if its just a smoke screen. I've found many times that no-name brands are more money per unit. I also watch with sales as many times name brands become lower during sales than no-name.

I love garage sales for books or library sales. That way if you don't like it, you only lost 25c. Then can resell at your sale and get it back. *chuckle*

Thanks for sharing your tips, those are good. :)




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8/15/10 8:18 P

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I agree, it is about priorities. I wanted to take a fun class that cost $200. I ended not being able to take it, because I ended up prioritizing something else that I had to pay for first.

I know when I shop for certain things, for example, Ibuprofin, I go with the store brand. It is the same product or ingredients. Just look at the labels and they are considerable cheaper. I shop the dollar stores for like basic items like paper towels or even brand name shampoos, because they are cheaper.

I go to the library to. If it is a book I really like, such as a cookbook, I check it out first before I buy. I don't want to buy and then decide I don't like it.

I have tried saving my change and at times have counted between $20 and $100. Lately, it hasn't been as much. Every little dollar counts.

Kim

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SASSISPRING's Photo SASSISPRING Posts: 10,944
8/15/10 4:53 P

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I have been without furniture and sat on sleeping bags. You do what you have to do to make ends meet. The article for me was more a reminder to create priorities. Such as, while I sat on sleeping bags and didn't have furniture, I did have a solid mattress and bed. I have arthritis and back issues. If I sleep on bad mattress, then I pay for it all day. My priority wasn't a couch, it was a mattress. Or if you are a person who craves going out with friends, then make that the priority and cut back in another area. I enjoy playing computer games, so I have an internet package that I can afford. It means that I don't have a kitchen table or chairs. That isn't my priority as I have TV trays to eat off of. I love books and magazines, so I go to the library. I also wanted to own all the Harry Potter so I found out where I could get them a bit cheaper, still brand new (as that was my priority) and cut back in another area. Does that make sense? Sometimes cheaper means literally that - the product isn't of good quality - so you really have to be a smart shopper. That laundry soap may be fine to get the cheaper stuff but if you break out and itch all day (as it uses harsh ingredients) then you haven't saved. That's what I got from the article, be a smart consumer and set your priorities. That's really what budgeting is all about - setting priorities. :)

As for what to do when you've cut back on it all, well you either go bankrupt, barely survive, live on the streets or couch surf. Or like me you go to a credit counsellor and am put on a debt reduction program. I remember literally paying for rent with money I took from one credit card, then paying off that card with another card, then that card with another card and going without food as I had no more cards left. It's really tough and not a cycle anyone should be on. If you aren't there yet, then it means there are still areas to cut back that you may not have thought of, which is why writing down all expenses for a couple weeks is helpful. It really brings out areas you may have missed. You may find that you are "nickle and diming" yourself in an area that you never thought of.

Another area is to throw coins in a jar (in Canada that piles up as $1 and $2 are coins) and set up ahead a goal to reach, along with what you'd like to do with them once you reach the goal. I've taken holidays on what I saved in my coin jar. It's also great if you are quitting a habit, as its a visual reminder of the money you are saving. This tip is also in the article, which was great how they used the idea too. Do little things that seem to cost at the time but save overall, like keep your car (if you have one) running at optimal condition. Do little things, like turn off air conditioning and open windows. Check out free activities in your area. My brother and nephew hit every free event in stores for the hotdogs and pop. Well, we all do really. Why not? It's free and you can work it into your food menu as they advertise ahead. Hit the grocery store and have a meal on them. As my friends and I said, a grocery store provides appetizer, main course and dessert. *grin* What's a bonus is when there is actually a cook standing there making the sample and its super fresh. Yum. It also can be a full meal.
Have a yard sale or sell at a flea market. Get together with friends and do a table as a group (as tables can be costly if you do it alone).

When I was at my lowest I had no savings to accumulate. Every penny went into simply living. I did have my priorities though (as I mentioned) and my biggest one was (and still is) travel. I've been all over in my own country and into the USA.

It's all a matter of not worrying on looking cheap, saving those coins, setting up priorities and shopping smart. And having friends like here who understand and support you through it all. :) :)

Thanks for the article, it was really great. :)



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8/15/10 11:14 A

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I ask myself the same question! I had enough of sitting around my house not enjoying going out with friends just because I don't have money. I have cut back all that I could to the point where I barely have a life. I got sick of it this year and said enough. I still watch what I spend, but at least there are some things that are free to do that are fun. Luckily, I do have friends that flip the bill and all I can say is "thank you". I pay what I can or bring what I can for whatever we are doing.

All I am trying to do at this point is searching for a better paying job with better hours, I work 2nd shift, or find a second job which is really hard to do when you can only work morning hours. Not many jobs out there that need morning help.

I don't even have money to put into a saving to accumulate at this point...well can't really say that, I do put $20 in a savings each payday, but it usually gets spent on a bill.

Edited by: SOPHIEMAE2007 at: 8/15/2010 (11:15)
Kim

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RACHEAL01's Photo RACHEAL01 Posts: 1,067
8/15/10 9:35 A

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That article was a bit of an eye opener - and so obviously simple too. It's amazing that something so simple like switching the 'skip the coffee' to cheaper laundry powder - why didn't i think of that myself?

What I would like to know is - once you've budgeted and cut back everything that you can (ok I admit - other than the occassional coffee and the occasional outing with friends lol) where do you go from there? How else can we save money without becoming hermits?.. OR perhaps make money without selling the furniture?

Is that when you've reached the point where you just have to wait now for the savings to accumulate till the debt is gone?

Edited by: RACHEAL01 at: 8/15/2010 (09:36)
I know I can, I know I can, I know I can....


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TINIERTINA's Photo TINIERTINA Posts: 4,962
8/10/10 2:44 P

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I found an important article:

www.thesimpledollar.com/2010/08/10/h
ow
-not-to-fail-at-frugality/?utm_sourcR>e=feedburner&utm_medium=feed&utm_cam
pa
ign=Feed%3A+thesimpledollar+%28T
he+Sim
ple+Dollar%29


Explains why I had been so depressed of late.

Tina


Lesser artists borrow, great artists steal.

- Igor Stravinsky

Find a way.

--Diana Nyad

(Said after swimming from Cuba to Key West without fins or shark cages)

My blog is at tiniertina.wordpress.com/ (topics vary; words are the most important things)

Now 103 pounds less than at age 24w/o surgery!
SASSISPRING's Photo SASSISPRING Posts: 10,944
7/15/10 12:46 A

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KIMBER thanks for the additional tips, awesome!!

DLCOLE625, all this stuff is frustrating, hang in there and it will sort out. It really will.

Tina, I love stir-fry. There is very little that can go wrong with stir-fry. Well....unless you decide to take the bottle of extreme hot spice from Africa and shake just a tiny bit rather than use the serving spoon made for the spices, then proceed to dump way way too much into the food. OOOPSSS!!

Oh well, we still ate the meal and we sweated (literally) and had rice to help temper it down. It was delicious, just way way too hot!!

Prepackaged almond slices are excellent for cooking. Nothing wrong with that and you are right, so good to toss into the meal.

Well for those times that you'd like to do something a bit more expensive, start a "crazy money" jar. Toss in your coins, put in a set amount every week (like $5 or less) and it'll add up in no time, then use it for those occ'l trips to the outdoor cafe. :)



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TINIERTINA's Photo TINIERTINA Posts: 4,962
7/14/10 9:54 P

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I bet you cook so delicious!
SASSI, I WANT TO HAVE DINNER AT YOUR HOUSE!!

I know about keeping the spices away from the stove. Sometimes I forget.

My sister is a not-so early-blooming great amateur cuisine minceur chef. And she uses (but prepackaged) almond slivers all the time in a lot of dishes (she is tighter on time--hence the prepackaging--but she's also a lot tighter/frugal with money than I am)

Having debt is no fun. You don't get to hang out where the action is. Outdoor dine and people watch from a cafe on what you who write British-English call the high street.

But I have to remember that ingenuity and workarounds are more satisfying in the end ....

Tina




Lesser artists borrow, great artists steal.

- Igor Stravinsky

Find a way.

--Diana Nyad

(Said after swimming from Cuba to Key West without fins or shark cages)

My blog is at tiniertina.wordpress.com/ (topics vary; words are the most important things)

Now 103 pounds less than at age 24w/o surgery!
KIMBER2245 Posts: 19
7/14/10 5:18 P

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25. Do an energy audit. Most electric/gas companies have a link on their websites for energy audits. You enter the appliances you have and how often they are used, then it tells you what each one is costing. It also reminds you to do things like turn off your computer rather than just letting it go to "sleep" and to remember to turn off unused lights and appliances. Most appliances still draw energy even when they are turned off, to keep time or settings.

26. Install a programmable thermostat. Turn up the air or down the heat when you are away or asleep.

Kim

Edited by: KIMBER2245 at: 7/14/2010 (17:19)
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SASSISPRING's Photo SASSISPRING Posts: 10,944
7/14/10 1:56 P

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Regarding condiments. Purchase excellent spices, not the stuff from the corner store that is factory produce, I mean spices that pack punch. It is worth the money as you'll find that the spices do the trick rather than adding a pile of expensive and non-healthy (often sugar laden) condiments.

I purchase all my spices through Epicure Selections which is a home party BC based business that specializes in spices. When I was on an extremely bland restricted diet due to medical issues, I used spices to make the foods taste great. Common everyday corner store variety spices didn't do the trick, as the flavours washed out unless there was lots of spice used. A more expensive spice goes far, a little pinch and your entire dish has flavour. Watkins is another home party based company that I know is in the USA, which provides spices full of flavour. The other place to look is in those gorumet shops where you are purchasing the condiments. Store the spices in a dry dark place that is away from your stove as spice will dry out with heat blasting up from the stove. That's why spices should never be placed in racks on the wall behind the stove, its drying.

There are 2 condiments that you can use with little calories - honey and mustard. Some people are mustard snobs whereas I'm a spice snob. *chuckle* I will use cheap mustard - French's. I use it on chicken, beef, turkey, pork and it makes a great paste when mixed with honey. Put it on at the end and allow a moment to soak into the meat, its very tasty. With chicken you can pour on during the end stage of stir-fry, wonderful.

For the other stuff "turn left" and hit the consignment stores and thrift stores. There are often trinkets and fancy little items for next to nothing - what you'd pay big time in the fancy places. Check out flea markets as many have awesome things for less than fancy stores. Check out the re-use-it shed in your neighbourhood - if there is one. That's completely free and at times, people leave fancy things that they grew tired of. Last, get on a Freecycle group, as folks give away the most coolest things at time.

Oh and if you don't have an allergy, use peanuts. Peanuts add fibre and taste to food. I threw peanuts in almost everything the first time I was on a restricted diet. The 2nd time I couldn't tolerate peanuts. I threw them into chicken stir-fry, yummy. I crunched them up, mixed with the glaze of mustard and honey, basted on the meat.

Have fun with it all and hope things work out.

Good luck with it all.



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TINIERTINA's Photo TINIERTINA Posts: 4,962
7/14/10 12:54 P

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Time = money. emoticon

The double whammy is some of the money I have been spending on condiments to make my "undressed" high fiber food "taste better". Not only does this increase my debt (which is overwhelmingly groceries, not luxuries ... yup .. I have medical and caretaking issues), but it gets me into the yuppie neighborhood (sorry if I offend anyone) for the fancy sauces, spices, pickles, etc.; which takes TIME, and then, not that I do Starbucks much, oh, and the little home furnishings boutique (such cute items!) but really ... lol

I consider myself relatively frugal, but them damn bright, shiny - even if tiny - "must have" objects in my path distract me ...

Did I forget to mention the condiments are overwhelmingly not calorie free and I have not hit my reasonable, non-bikiniland goal weight yet ... ?

Tina


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Lesser artists borrow, great artists steal.

- Igor Stravinsky

Find a way.

--Diana Nyad

(Said after swimming from Cuba to Key West without fins or shark cages)

My blog is at tiniertina.wordpress.com/ (topics vary; words are the most important things)

Now 103 pounds less than at age 24w/o surgery!
DLCOLE625 Posts: 15
7/12/10 9:23 A

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Frustrating...isn't the word for it!! I am feeling overwhelmed and terrified at times. I got a bookkeeper to help sort thing out and initially I felt great and then I started to see where I am ...the waters weren't muddied and phew I freaked!!! I make a very nice salary and I should be able to live very nicely...just getting through and like you said realizing the dept isn't permanent. Thanks for sharing, Debbie

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SASSISPRING's Photo SASSISPRING Posts: 10,944
6/1/10 2:35 A

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I'd say that's tip number 20 - budget according to what you'll pull in for each pay period and if possible, go ahead a few months.

I have to estimate what I'll make each pay period. It's pretty close, so like you I tend to budget according to the pay, which I've done for years. Like you it works well for me.



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STILLSHINING Posts: 161
5/31/10 8:12 P

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The way I do my budget is I write down my paydays for the next few months. Then for each payday I write down what bills I will pay with that paycheck. It helps keep me on track.

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SASSISPRING's Photo SASSISPRING Posts: 10,944
5/31/10 2:08 A

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awesome!! :D



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RACHEAL01's Photo RACHEAL01 Posts: 1,067
5/30/10 8:33 P

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SASSI_SPRING :) I did it with my home loan and it works for me. We broke it down into $10K goals. When we pay off $10K me & bf go out and do something special.

I know I can, I know I can, I know I can....


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SASSISPRING's Photo SASSISPRING Posts: 10,944
5/27/10 12:56 P

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IWTBTA, that would be another tip emoticon

19: Stay focused on the goal of living debt free. Create short attainable goals rather than long term goals. Chunking it down to short achievements creates incentive to stay on track.

Edited by: SASSISPRING at: 5/27/2010 (12:56)

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IWTBTA's Photo IWTBTA Posts: 44
5/27/10 11:52 A

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I know that it is frustrating to always not have enough and be able to do more. I keep reminding myself that I really don't need anything and I can do with what I have. I am trying to look at it as an adventure to do what I can for as little as possible. I also am trying to focus on the fact that I am trying to pay down debt and this will not always be permanent. With each debt that is paid off it goes to another and increases my confidence that eventually it will be better. I also need to pay attention to what I spend and what it is for so I can break the repeat cycle that I am in.

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SASSISPRING's Photo SASSISPRING Posts: 10,944
5/27/10 11:47 A

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16. Scope out freebies in your neighbourhood. Is there a store opening? It'll mean free lunch. Anniversary of a store, often there are door prizes and give'aways. Get on a point system in places you frequent if it is free - like a local coffee shop, buy 10 and get one free deal. Don't be afraid to eat at the local supermarket. *chuckle* Scope it out, then go from one taste test to the next - from appy to main meal to dessert. Many places often offer a free beverage taste too. Trust me, it can be done and it really is filling. (plus for lower calories you can enjoy foods you might not eat otherwise)

17. Scope out free activities. One city I lived in held free events at the local central park every weekend throughout the summer. Museums and galleries often have 2 for 1 days or free days. Budget for gas and explore your local area.

18. Balance your bank account at least twice a month. It'll show if you missed an entry, it'll get you back on track and keep you honest about what you really have (rather than what you think you have).



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5/27/10 10:05 A

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I hate to say it, but I am sick of staying home! I need to get and there are plenty of things to do for free, it just cost for the gas to get there. I have already cancelled my vacation this year, because I am broke. I sad about this, but dealing with it. I felt like the last year 7 yrs I have done nothing but stay at home and this year I am making it a point to get out with friends.

Kim

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RACHEAL01's Photo RACHEAL01 Posts: 1,067
5/26/10 11:14 P

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15. turn off all electrical items at the wall.

16. Do a shopping list and stick to it! Carry around a calculator when shopping and don't go over your budgeted amount :)

17. Don't go out - Stay at home LOL.

I know I can, I know I can, I know I can....


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5/5/10 5:37 P

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14. Just try not spending anything for one day, then make it a habit! One day of being "debt" free.

Kim

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IWTBTA's Photo IWTBTA Posts: 44
5/5/10 3:00 P

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By making weekly payments it decreases the amount that is charged interest on. For me it is easier to pay the small amount every week and have it add up over the month. I read this somewhere and decided to give it a try. I am looking forward to the day when things are better financially and I don't have to be so worried about the day to day struggles.

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SASSISPRING's Photo SASSISPRING Posts: 10,944
4/29/10 1:50 P

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15. Garage Sales and Freecycle
Check out flea markets and garage sales as you can often get great deals on previously owned items that only need a little bit of work or none at all. Freecycle is a great way to share with others items that you don't need and recieve items that you do need, without cost. Plus its good for the enviornment to recycle and reuse rather than toss. On that note, if you have a transfer station in your area that has a reuse-it shed, check it out. Another place people put stuff that you can pick up for free and with a bit of work, have something really decent at no cost.



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CASE4GRACE's Photo CASE4GRACE Posts: 2,959
4/29/10 11:26 A

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14. Double up your savings by matching coupons with advertised store specials. Last night I found a large box of blueberry mini wheats cereal that my grocer was clearancing off for 50%, plus I had a $1 coupon (right on the box of all things!) which was doubled, so it cost me 34 cents. Also had a special buy 8 boxes of Kelloggs cereals and get $10 off the grocery bill at checkout plus a free gallon of milk. I had coupons for all of those 8 boxes of cereal in addition, and it was double coupon day, so saved a lot. And that grocer gives gas rewards, so I'll save over 10 cents a gallon on my next trip to the gas station to boot!

Our greatest glory consists not in never falling, but in rising every time we fall. ~ Oliver Goldsmith


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4/28/10 5:10 P

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I asked if I could do that with my one card and they said it would just be considered as an extra payment and I would still have to pay the "minimum" amount due on the due date...Do they consider the amount paid each week towards the min amt due?

13. Freeze your credit cards in a block of ice!

Kim

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IWTBTA's Photo IWTBTA Posts: 44
4/28/10 1:24 P

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I have set up automatic payments for two of my credit cards from my bank. That way I pay a little each week. That way I don't have to worry about whether or not I paid that bill or late fees...

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RACHEAL01's Photo RACHEAL01 Posts: 1,067
4/27/10 10:03 P

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HAHAHA I do number 10!

11. If you are like me and a sucker for buying small things like coffee - don't keep cash in your wallet :)

I know I can, I know I can, I know I can....


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SASSISPRING's Photo SASSISPRING Posts: 10,944
4/27/10 5:29 P

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(thanks for numbering, I lost track)

10. Save all coins. In Canada that really adds up as $1 and $2 are also coins. If you use coins for laundry, then put those aside and save the rest. You'll be amazed at how fast you'll accumulate money, even pennies add up when they are bundled together.



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I_AM_ME_STILL's Photo I_AM_ME_STILL Posts: 1,120
4/27/10 2:16 P

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7. Allow yourself a small amount of money for random spending. You won't feel deprived from spending & if you allow for it in your budget, you won't go over.

8. When you get a raise, keep living on what you "used to" make. Pay off debts or add to savings.

9. Become debt free.

-Michelle in FL

SASSISPRING's Photo SASSISPRING Posts: 10,944
4/27/10 1:45 P

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To curb impulse spending walk away from a bigger ticket item and allow a cool-down period. I usually allow a week. If I still really want that item, can afford it and have a use for it (even if its decoration), then I purchase the item. This has helped me to curb impulse spending.



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HAYERIN84 Posts: 6
4/19/10 2:32 P

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EVERY receipt I get I put in my wallet and each evening I enter what I spent that day into a daily tracking spreadsheet.

At the end of each month I do a monthly spreadsheet that includes all expenses for the month (ie rent, insurance, etc) and the amounts I grathered from my daily tracking sheet.

It sounds like a lot of work but it has really helped me realize where I have spent money that I didnt need to spend money and where I can cut costs.

Erin

"Life is either a daring adventure or nothing."
Helen Keller

"Don't bunt. Aim out of the ballpark." David Ogilvy



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4/19/10 1:19 P

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3. Keep track of daily spending on a spreadsheet. Track it for a month and see where you are spending your money. If it is someplace that you want to cut back on, you can do so and put the money elsewhere for better use.

4. Try to put back the amount of money saved with discounts and coupons when grocery shopping. I went shopping yesterday and saw I save around $17. I need to put that amount into my savings.

Kim

Birdwatchers Team Leader,
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Love All Dogs, but partial to Cocker Spaniels...! Spaniel Lovers Team
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CASE4GRACE's Photo CASE4GRACE Posts: 2,959
4/19/10 1:08 P

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Set a new budget every month that accounts for all expected income and expenses for the month. Be realistic, and make sure you at the end of the month you have spent LESS than you earned, and put the difference in savings. Stick to the budget!

Our greatest glory consists not in never falling, but in rising every time we fall. ~ Oliver Goldsmith


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SASSISPRING's Photo SASSISPRING Posts: 10,944
4/19/10 1:04 P

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1. Save $5 per week. It's easy to do and you'll have saved over $100 in a year.



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SASSISPRING's Photo SASSISPRING Posts: 10,944
4/19/10 1:03 P

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Share a healthy money (debt reduction) habit. It may be something you already do or it may be something that you want to do. Let's see if we can reach 100 habits in a couple months!!




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