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KNITTY_JESS's Photo KNITTY_JESS SparkPoints: (7,969)
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6/26/13 11:16 P

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Be careful with the credit card limits. Some will continue to increase your limit as you add more to it.

Any change, even a change for the better, is always accompanied by drawbacks and discomforts.

Arnold Bennett







Read more: http://www.brainyquote.com/quotes/topics/t opic_change.html#ixzz187A3wMeH


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WALDEN9 SparkPoints: (5,376)
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1/24/13 12:40 P

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thank you so much for that information. i am sure it will help.i eat left overs when i can. i am not sure what you mean by economical meals.i wish i could shop once a month. i do not have the room to be buying that much. my freezer is small and i live in a one bedroom apartment and we are not allowed to buy a small freezer for extra food. our closest warehouse club is over an hour away from home and i do not like to travel that far. when grocery shopping lately, i check my basket before i leave the store and make sure there is nothing that is unnecessary. if i need only a few things, i go in with a hand basket or perhaps just carry things in my hands.i like the idea about the extra money added to the payment on the credit card. i am very thankful most of my bills are paid automatically every month by the money being pulled out of my account. that way i do not have to worry about getting those bills paid. Fingerhut and Walmart are the only bills i pay online and that is at the beginning of every month. one of my goals this year is to get myself in better financial order and not use the credit cards anymore. you would think, after all the money i have dished out in the last 10 years for loans and credit cards i would of learned my lesson by now. i say it is about time i got real and realized, money does not grow on trees and no one else is going to pay my bills for me. after all, what did people do before credit cards even existed?what make things worse are all the catalogs that get sent in the mail. i am just learning to throw them out. however, sometimes i catch myself almost ordering from them, but i realize it before i can pull my credit card out. a lot of the time i may decide to check out the dollar store or perhaps see if a friend has what i need. i am thankful for the winter weather cause i rarely like going out in the cold unless i absolutely have to.well thank you so much for the information and i wish you the best of luck with your expenses also. emoticon

slowly but surely I will get to where I am going.


 current weight: 20.0  over
 
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PUSHWAIT's Photo PUSHWAIT SparkPoints: (21,815)
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1/24/13 8:43 A

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I would say, be as prudent w/your spending as possible. Make economical meals, eat left overs, etc. My struggle is the grocery bills, I had set a monthly goal, but I always seemed to go over it!! So now, I have my limit. I try to go grocery shopping now once a month. I go to a warehouse club, and shop sales at a local grocery. However, sometimes, the purchase of the warehouse club hits the limit. Instead of still going to the grocery too, I tell my husband, "Oh well, we're just gonna have to make due w/what we have. We won't starve." And that has worked. So far, I've stayed w/in that budget for a few months. (And we have a child as well, it's not just him & I.)

As far as buying other things. It's a temptation to purchase something that we 'want'. But now, I've gone back to the old fashioned way. If it's not an emergency item, just something I'd like, I set aside some money in an envelope. A dollar here or there, change in a bowl, etc. When a lot gets accumulated, THEN I will make the purchase. I will then put it on my credit card to get the reward points for it, but at least when the bill comes in, ADD that money to your REGULAR pymt and then you won't incur any further debt.

I hope this helps you.



~ Angela


 current weight: 155.0 
 
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WALDEN9 SparkPoints: (5,376)
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1/24/13 2:51 A

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last year was a bad year for me as far as money goes. i received a credit card for Walmart and now i have got to owing 73 dollars a month that originally started out at 25 dollars a month. so far i am trying to teach myself not too spend anymore on it, but i am not sure I can. i was going to cut up all my other credit cards, but now i have decided to use another one. do not owe very much on that because i just bought a microwave. I am trying to learn how to not buy more than i need but i am not sure i can do this for very long. i am presently on social security disability and i have to watch my budget. being frugal is not too bad most of the time, but sometimes i catch myself wanting to spend more than i actually have. what i am basically trying to say is, if there is anyone that has any tips on being frugal, please tell me how. i have gone to different websites but i have still spent money. this month so far i am doing well. however, i definitely have to cut back starting next month. emoticon

slowly but surely I will get to where I am going.


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