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TEDYBEAR2838's Photo TEDYBEAR2838 SparkPoints: (165,331)
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7/3/12 10:45 P

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I can't seem to get the Cash thing down. I tried it one month and
gave up. I like using my debit card. I have not used my credit
cards since I started the program about 3 mo ago. SO that is a
plus.

Budget still needs tweaking also.

But I'm so happy I took the course

Nancy a.k.a. Teddybear

Psalm 121:2 My help comes from the LORD, Who made heaven and earth.
=================
When you choose the behavior you choose the consequences. (Dr Phil)



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TEXASLYNN's Photo TEXASLYNN Posts: 2,774
7/3/12 9:31 P

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I've done much better since I ditched the debit card but I'm still having problems with gasoline credit cards in months when I have to travel a lot.

Jesus Christ is Lord!

Make your words sweet; you may have to eat them!

No More Homeless Pets

On the Eighth Day God Created Texas

Stamp Out Puppy Mills


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1EMMA2011's Photo 1EMMA2011 SparkPoints: (25,418)
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6/21/12 12:06 A

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Thank you Teddy Bear, I feel happy to have your confidence. Thank you very much, emoticon emoticon emoticon

Co-Leader, The Peppy Party, Join us!!

Slow and steady - this time is the last - aiming for consistency.

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TEDYBEAR2838's Photo TEDYBEAR2838 SparkPoints: (165,331)
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6/19/12 10:25 A

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1Emma, you have taken the best step, the 1st one!

No limit to what you can accomplish. emoticon

Nancy a.k.a. Teddybear

Psalm 121:2 My help comes from the LORD, Who made heaven and earth.
=================
When you choose the behavior you choose the consequences. (Dr Phil)



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1EMMA2011's Photo 1EMMA2011 SparkPoints: (25,418)
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6/19/12 12:36 A

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Hi, I'm finding my mistake was one of those green credit cards that you pay in full each month. Because there was no true limit it was easy to run the bill up. Happily I've found you and Dave and now I'm getting out from under. I have removed almost all of the "automatic" payments that were on this card. I believe that credit cards are fear based. I never thought about this much because this was the system I was taught. I hope though to break the cycle. I like the debt snowball. It will take a bit of time but I believe I can do it - get out of debt. I have my emergency fund started and feel good about the changes I am making. Thanks,

Co-Leader, The Peppy Party, Join us!!

Slow and steady - this time is the last - aiming for consistency.

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TEDYBEAR2838's Photo TEDYBEAR2838 SparkPoints: (165,331)
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4/27/12 2:59 P

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FL Pwr & Lt has a budget plan also. It takes the last 12 months,
and divides by 12 and you always pay about the same all year.
It's really great and you can budget better.



Nancy a.k.a. Teddybear

Psalm 121:2 My help comes from the LORD, Who made heaven and earth.
=================
When you choose the behavior you choose the consequences. (Dr Phil)



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ESMOMMY13's Photo ESMOMMY13 SparkPoints: (38,991)
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4/27/12 2:15 P

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Look forward to using the blog for my upcoming FPU group at church. We have cut up all our credit cards and only have debit cards. We do groceries for cash but not anything else. Hoping to work on my husband and go to more cash later on.

Mrs. Jari - you mentioned figuring out your electricity bill. Have you checked with your utility companies about being put on a monthly payment plan. The company figures out the average and you pay that every month. At the end of the year you settle up. For us we have only had to pay once when the average was set to low. The other times we have gotten a month or so free. :) We love it because we can budget that set amount and not have to worry about it fluctuating.

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MARIASPARKLE's Photo MARIASPARKLE Posts: 6,053
4/27/12 8:41 A

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Great article, thanks Carol.

*♥)
..*) .*)
(.*♥Maria♥ *) Proud to be a non-smoker since 6th Feb 2008!!
..*) .*)
*♥)

(NEW) STARTING WEIGHT - 01 Jan 2012 - 169.4 lbs

MY REWARDS:
165 lbs - new workout clothes - DONE!
160 lbs - haircut - DONE!
155 lbs - new workout music - DONE!
150 lbs - new jeans
145 lbs is my goal - end July 2014!


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TEDYBEAR2838's Photo TEDYBEAR2838 SparkPoints: (165,331)
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4/27/12 7:34 A

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Wow, MRSJARI, that is a tough one.

I am, just me, and no one else to look our for.

I hope someone can give you some good ideas.

Is your hubby not on the same page with you?

Nancy a.k.a. Teddybear

Psalm 121:2 My help comes from the LORD, Who made heaven and earth.
=================
When you choose the behavior you choose the consequences. (Dr Phil)



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MRSJARI's Photo MRSJARI Posts: 5,592
4/26/12 10:22 P

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TedyBear, that is a big part of the problem. I actually do not shop much - my husband does most of the shopping, and he doesn't often give me the receipts. I am currently trying to use ideas from Gail Vax Oxley (I'm not sure of how to spell her name) of have a certain percentage for fixed expenses and a certain one for variable. I started listing them, and going through my checkbook and getting ideas and numbers., and then going through bill to see how much for electricity, etc that it averages. I quickly became overwhelmed. emoticon I have been doing this many Many times throughout the years, and I just never seem to get off the ground emoticon We are in okay condition right now, but I want to get a handle on finances so that we Stay OK! It also doesn't help that we are still giving money to 3 of our grown children, and one of their spouses. We are trying to wean them off of us and onto themselves, though.


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TEDYBEAR2838's Photo TEDYBEAR2838 SparkPoints: (165,331)
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4/26/12 10:03 P

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What has you stumped with a budget?

Have you written out your expenses for the week or month?

Nancy a.k.a. Teddybear

Psalm 121:2 My help comes from the LORD, Who made heaven and earth.
=================
When you choose the behavior you choose the consequences. (Dr Phil)



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MRSJARI's Photo MRSJARI Posts: 5,592
4/26/12 10:00 P

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I'm not struggling with that, but I am Still struggling with making a budget

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TEDYBEAR2838's Photo TEDYBEAR2838 SparkPoints: (165,331)
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4/26/12 8:05 P

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I'm going to go check it out, thanks.

I haven't been using credit cards, but at this point I can't
seem to get rid of all of them.

I only have 2. One I never us and won't anymore and can
actually trash it, but I still owe on it.

The other one, is more of a security blanket.

Not having a big emergency fund, it's just there if I get into trouble,
like a large car repair, but otherwise I'm paying for Everything
& paying off my creditors the snowball way.

Thanks, gonna go check it out now

Nancy a.k.a. Teddybear

Psalm 121:2 My help comes from the LORD, Who made heaven and earth.
=================
When you choose the behavior you choose the consequences. (Dr Phil)



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CAROLFAITHWALKR's Photo CAROLFAITHWALKR Posts: 15,611
4/26/12 7:17 P

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Here's someone who's trying it out, a blogger who is a Dave fan, despite much reservations. Over a period of time she's come to the point of really experimenting with it. She's heard all the benefits and wants to test the theory. If you've been struggling with the same, maybe this post will help you.

BE SURE TO READ THE COMMENTS

From Plastic to Cash
amysfinerthings.com/from-plastic-to-
ca
sh


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