SparkPeople SparkGuy's Savings Jar Club Team Messageboard For anyone looking for motivation to save money/reduce debt. See message board in Other Groups Forum by the same name for more info - happy savings! SparkPeople SparkGuy's Savings Jar Club Team Messageboard Start a Home Business and Pay your Children...? Have you started a Home Business, to keep more money in your pocket...? Wed, 16 Sep 2020 12:12:11 EST Financial Management software Any suggestions for financial management software? I'm looking for one that shows not only your debts and liabilities, but includes a budget. I took the Financial Peace course years ago - the book is still here somewhere! Checking to see if anyone has something that works for you? Sun, 31 Dec 2017 08:02:42 EST What Are Your Hobbies? $$$$$ A little advice... When you have a hobby, you can easily earn some spare money with it. Are you passionate about it? All the better! Nothing for the IRS to have to worry about, but there are times when I make spare money with making crafts such as gift baskets. I have even been known to flip some yard sale items. Use your imagination. Think out of the box. <BR> <BR> What is YOUR hobby? Share here! <BR> <BR> <em>247</em> <em>214</em> Fri, 10 Nov 2017 22:26:22 EST Have You Ever Thanked SparkGuy For Sparkpeople? Yes, I have thanked SparkGuy in the past for providing Sparkpeople. I could never afford Weight Watchers, Jenny Craig, NutriSystem, etc. He is very generous. <BR> <BR> <em>247</em> <em>214</em> Fri, 10 Nov 2017 22:18:16 EST Introduce or Re-Introduce Yourself Hello! My name is ON_A_DIET and I am a new co-team leader! So nice to meet all of you! <BR> <BR> I am cleaning the forums and hope you like. <BR> <BR> Let's save money, share frugal meals and get in that free fitness! <BR> <BR> <em>247</em> <em>214</em> Fri, 10 Nov 2017 22:13:50 EST Favorite Cookbooks, Cooking Websites and Blogs "A Potful of Recipes" crockpot cookbook by JoAnna M. Lund. <BR> <BR> There is even a JoAnna M. Lund Sparkteam. <BR> <BR> Crockpots save yourself alot of money and stress. <BR> <BR> JoAnna lost over 100 pounds by tweaking her own recipes. She created many cookbooks with such recipes. <BR> <BR> You can find many of her cookbooks from your local library. <BR> <BR> <em>247</em> <em>214</em> Fri, 10 Nov 2017 22:08:33 EST Frugal Recipes Crockpot Baked Potatoes <BR> <BR> Wrap russets in aluminum foil. <BR> Place in crockpot <BR> Cook on HIGH 4 hours. <BR> <BR> Serve with favorite toppings. <BR> <BR> Want to throw an inexpensive party? Set up a potato bar with various toppings. <BR> <BR> <em>367</em> <BR> <BR> <em>247</em> <em>214</em> . <BR> Fri, 10 Nov 2017 21:46:53 EST Brag About Coupons, Clearance and Discounts Here There IS a way to eat healthy. Here is where you brag! Whether you used coupons, bought on clearance or at a discount store such as Dollar Tree, etc. <BR> <BR> <em>247</em> <em>214</em> Fri, 10 Nov 2017 21:42:31 EST Favorite Diet or Lifestyle The Mediterranean Lifestyle. <BR> <BR> I am a pasta, potatoes and fresh salads kind-of gal. <BR> <BR> They say to only have whole wheat. I beg to differ. Whole wheat tastes like cardboard. I would rather have a serving of semolina and be satisfied and not feel the need to gorge to make up for what tasted lousy. Potatoes are cheap and especially healthy if the skin is left on. Salads? I especially love oil and red wine vinegar. <BR> <BR> <em>247</em> <em>214</em> Fri, 10 Nov 2017 21:35:07 EST Free Ways Of Anything Fitness Borrow workout DVDs and, workout music CDs from your local library! <BR> <BR> <em>247</em> <em>214</em> Fri, 10 Nov 2017 21:29:59 EST Emoticon If You Got In 10 Minutes Of Activity? <em>247</em> <em>214</em> Fri, 10 Nov 2017 21:27:29 EST Suggestion Box Is there anything you would like to see covered in the forums? Do you have any comments? Just let it all out here! <BR> <BR> <em>247</em> <em>214</em> Fri, 10 Nov 2017 21:24:00 EST Emoticon How You Are Feeling Today <em>247</em> <em>214</em> Fri, 10 Nov 2017 21:21:11 EST Affordable Christmas Presents What are some of YOUR go-to inexpensive Christmas presents? <BR> <BR> <em>445</em> Wed, 25 Oct 2017 18:37:59 EST What Are Some Frugal Christmas Presents? I have started this thread as the holidays are fast approaching. <BR> <BR> Won't you share some tips for good and frugal Christmas presents? <BR> <BR> Thank you. Wed, 18 Oct 2017 10:08:31 EST New to the Team from Brisbane Queensland Australia Hello, I am Paula a 50 year old married mother of two. Jake 22 and Sarah 21. <BR> <BR> Currently weight in at 59.5 kilo's I aim to maintain at 52 kilo's. <BR> <BR> I just signed up to Spark Premium to help keep me on track and motivated even more to stick to my goals and get down to 52 kilo's and maintain at that. <BR> <BR> I know I am not obese by any means but still for me I have too much weight on for my hips to carry around. <BR> <BR> I have slight hip osteoarthritis in both hips. Doc... Sun, 2 Oct 2016 20:55:13 EST One more try I'm going to try this again. Not quite sure how but let's give it a go. Fri, 20 May 2016 13:02:09 EST 71 Being forced to take my pension (even though I am still working) I need the discipline to keep on saving even though there are no more tax advantages available. The question is, where to invest . . . Fri, 8 Jan 2016 19:16:09 EST Hi again! Been MIA for the past 2 -3 years Caring 24/7 for DH with his battle with Lung Cancer. Had a good hand on the Budget and was getting finances at a comfortable shape. Now I need help in Budgeting going from a 2 income to a 1 income. Any and all help in allocating monies into Household Categories would be greatly appreciated. Sun, 27 Dec 2015 00:17:03 EST buy stocks minimum 10 bucks <BR> ocks/?ref=pu_CJca_STOpl_AN <BR> sz_TXcid_OPEN <BR> <BR> this is a website i found on a finance blog that lets you invest a minimum of 10 bucks in your favorite stock companies. As a disclaimer i haven't used this site yet although i might try it. So do your own investigating on it but from what i can tell it is legit. no fees either!!! <BR> <BR> So someone who wants to try buying stocks this might be for you! Sat, 24 Jan 2015 09:39:44 EST saving idea i don't know if anyone has seen this. but there is one saving idea going around. <BR> <BR> for each week of the year you save a certain amount. <BR> <BR> week 1 = 1 dollar saved <BR> week 2 = 2 dollars saved <BR> week 3 = 3 dollars saved and so forth. <BR> <BR> the last month you would be saving over 200 a month. for a total of i believe about 1400 dollars but don't quote me on that. :) Sun, 4 Jan 2015 14:57:07 EST Hopeful Penny Pincher Hello, my name is Brenda and I am serious need of slowing down the spending of money. It is my NY resolution to save better and thought maybe this team might be the right amount of encouragement I need. Tue, 30 Dec 2014 19:24:04 EST I plan to pay down debt and also save for vacation <em>381</em> I plan to pay down debt and also save for vacation Tue, 30 Dec 2014 15:25:55 EST Message Removed Message Removed Sun, 30 Nov 2014 12:59:18 EST Cancer... .requires a New Type of Budget! Hello, just joined this Team tonight. Within the last 2 months my husband went through testing and biopsies for Lung Cancer. He now carries the diagnoses of Lung Cancer ( Left ) with Mets to the Right Lung. Our co-pays for testing, and medications reached One thousand dollars and he has 21 weeks of Chemo to go. Our present budget took one heck of a hit. So it's refocus, change that budget and apply for Cancer Assistance. Hoping to pay off a few low amount loans as we go. Hoping I can pick up ... Mon, 8 Sep 2014 23:15:49 EST working from home I currently work from home. There are many legitimate jobs you can do now working from home. <BR> <BR> here is a link to a legitimate website that might help people looking to make extra income or even full time income. <BR> <BR> <BR> <BR> Fri, 22 Aug 2014 17:18:43 EST New Member Hello, this is my next goal is trying to save money. I have a big trip coming up like in 10 months and I want to save some extra cash. So this is going to be a challenage to me. I can save pennies, but not coins or dollars bills. Fri, 11 Jul 2014 15:32:31 EST New to the Team! Hello, all! <BR> My name is Sharon, and like so many people, I'm broke and up to my eyeballs in debt. <BR> I'm looking forward to learning a lot from this team! <BR> Have a great day everybody! <BR> <em>213</em> Tue, 15 Apr 2014 08:18:44 EST Hello! Hi! I'm Patty and have been a sparker for 3 1/2 years now.. Gotta get my budget in order and this seems like a great way to start. Thu, 12 Dec 2013 08:42:41 EST Expensive week I had an expensive week last week as we brought a new fridge/freezer, signed up for new windows and we went to the theatre. It tends to be all or nothing with us as my husband is bipolar so we we can go weeks or even months without spending, we do not smoke or drink and we do well at saving on a fixed income. <BR> <em>252</em> Mon, 9 Sep 2013 13:53:31 EST freebies I made a list today of many things in my city that are free activities or almost free. I posted it on my bulletin board so that the next time my hubby and I are bored we can just choose something from the list. I also started something new that I call "virtual traveling". I have some health issues right now that prevent me from traveling very far at one time. I got an atlas and am requesting travel brochures from places I would like to visit. there are also DVDs and books at the library.... Mon, 22 Jul 2013 18:08:38 EST Retired and Reinventing Hello everyone! <BR> I retired in January and am having to learn a whole new way of life. Budgeting is now a big deal. Menu planning is a challenge when it is so easy to walk into the kitchen and help myself all day long. This is also a challenge for weight loss. The one thing I am trying is planning my eating out days. I actually schedule a certain number of days and write them on the calendar. If I spontaneously stop for a quick bite somewhere I try to swap that meal out for another o... Sat, 20 Jul 2013 10:27:21 EST Message Removed Message Removed Tue, 18 Jun 2013 05:19:55 EST New to team Hi! New to team,but need to start somewhere & get things under control! Sun, 7 Apr 2013 08:21:13 EST Your Daily Tip Jar I know our tips and thoughts inspire one another to succeed w/ our finances ........ So I thought if we put our tips in to share with one another .. <em>189</em> .... it can be fun and rewarding! <BR> Here's mine for today" <BR> <BR> Think of your income (paycheck) for instance as a big waterfall ........... water pouring in as you let it flow into your hands ........... <BR> As we spend ....... it is water leaving us ............ (Avoid the steady drip ......... It's the drip that adds u... Sat, 6 Apr 2013 12:46:55 EST What are you saving for? I am savings for a House Deposit, we are aiming to save $30K and we have $1K so far :-) Tue, 26 Mar 2013 20:54:43 EST Message Removed Message Removed Tue, 26 Mar 2013 16:43:56 EST Biggest Challenge to paying off your credit cards. Hi everyone. <BR> <BR> I was just wondering what were the biggest challenges facing those trying to pay off credit cards. For me, it was incidental surprises such as car repairs ro a medical bill out of the blue. Oh yes, AND a new furnace. Fri, 15 Mar 2013 14:25:43 EST New to the team! Just joined Sparkpeople. Liking it so far. I am usless when it comes to saving money and I am always out of pocket before my husband gets paid again. Enough is enough. I hope that this team will help me to save better and make my money last longer. Fri, 18 Jan 2013 02:06:24 EST Message Removed Message Removed Sun, 13 Jan 2013 15:02:45 EST money saving goal I was thinking of starting a monthly goal of things to do to save money. Maybe others could join in? <BR> <BR> so for me, for at least this month _ I am NOT going to buy shrimp! <BR> <BR> okay -it sounds weird. but for me shrimp isn't food, its like candy. I like to eat MULTIPLE packages of thes thai shrimp wraps. Or I"ll eat these breaded coconut shrimp. So . . . the money I won't be using on my lil shrimp addiction will help me to have more money for good food to last the month. <BR> ... Sun, 16 Dec 2012 19:51:28 EST new to the team <em>275</em> hi im cyndi and im from mentor ohio husband is retiring soon and need to learn to budget in all aspects of life will be on a limited income thanks for having me Fri, 19 Oct 2012 12:50:51 EST credit cards - cash back anyone know any good credit card that gives a good % of cash back when you purchase items? Mon, 17 Sep 2012 19:10:24 EST Hi I'm Back to SparkPeople & I'm Lovin' It! I left Spark People for about 3 months to try another on-line etool dealing with nutrition & weight! With absolutely NO results, I came back & am the happiest I've been (even tho' I still haven't lost any weight yet.) And at the sametime We are going broke. It has a little to do with the good food I'm buying for the diet & how I'm eating. Food is very expensive these days as you already know I'm sure. We've taken out every pay day loan on the internet inclding Western Sky! (Yes We Did!!) The... Sun, 26 Aug 2012 00:33:48 EST new I am new. My name is Brenna, married for 9 years with 3 kidz with autism. <BR> <BR> am looking at good ways to save money and to keep a better budget. Sun, 19 Aug 2012 16:30:38 EST new member, Hello Everyone Looking forward to better saving. Mon, 16 Jul 2012 19:04:57 EST Getting To Know Each Other What is the one thing you are able to save money on the most? What do you do in order to save on that item. Mon, 4 Jun 2012 22:44:28 EST hello there! My name is Dyitha. I'm at single 26 year old mommy of a beautiful baby girl. I made the decision to start life over with new eyes and strive to be thankful and grateful for one thing daily. I would like to be debt free and lose that stresses in my life. Sun, 26 Feb 2012 09:36:19 EST Is the Emergency Fund and Savings the same thing? If not, what is the difference between the two? And how do you differenciate them? Do you have separate accounts for them or do you keep them in separate places? <BR> <BR> Sorry this may really sound like an amatuer question but that's what I really am when it comes to financial fitness. Bear with me. Thu, 23 Feb 2012 10:41:27 EST What are the top three items that... you spend most of your paycheck on? <BR> <BR> Mine is: <BR> <BR> 1. House mortgage ($650) <BR> 2. Domestic helper/ maid ($600) <BR> 3. Utilities bill (about $250) <BR> Wed, 22 Feb 2012 23:36:59 EST GAS PRICES I paid $3.95 last night for gas and that was the cheap one. Remember when they use to say it was because fires or whatever at the refinery's. I think that is a bull__ answer. Because refineries have been here for a long time and your now calling this a problem to our gas prices. So what happened before when there was problems at the refinery. Or were there no problems before. I know now there is a problem in Iran, but I did here the excuse again on the news that the refineries could be part ... Tue, 21 Feb 2012 01:11:42 EST What cheaper alternative have you swapped to? I've changed milk powders for my kids. Currently I spend $210 a month on them. After the swap, I only pay $75 a month. That's a savings of $135. And I checked the back of the package to see if I was compromising on any vitamins or minerals. The difference was not much. In fact the new milk powder had some things the other one didn't. So I'm happy with this swap. My kids love the taste too. This just makes me ponder why some brands are much more expensive than others. Tue, 21 Feb 2012 00:20:11 EST What is it that the rich know and I don't know? Any answers? I just suck at managing money. Tue, 14 Feb 2012 10:57:10 EST help I have a $60000 debt on my head. And that's not counting my housing loan. Housing loan is at $135,000. The housing loan, I've been paying off little by little and it's coming down. I have 30 yrs to pay it off which I think I will be able to. But I got no idea how to get rid of the $60K debt that seems to be sitting on my head. Getting so depressed thinking about it. <BR> <BR> I'm so sick of sinking in debt and just want to get out of it. I'm married with 2 toddlers and my money doesn't seem... Tue, 14 Feb 2012 10:56:09 EST Ways to Save you may not have thought of! I unexpectedly saved $20 a month by updating my commuting miles driven on our auto insurance! (Of course this does not work if mileage goes up ;-D ) <BR> I challenge myself to save at least $5 a day through trimming this and that, or selling something small. Recently turned in one cable box we did not use much ($7 a month). <BR> Please share non-conventional ideas? Wed, 8 Feb 2012 13:48:02 EST Eating off my Pantry part DUX I had spotted an older post about eating off your pantry for two weeks. This involved using only what was already in your pantry and fridge. I thought this was a really cool idea so I decided to give it a try. I'm not sure of the exact rules so I modified it for my family, since I have a 4 year old and a 1.5 yr old. <BR> <BR> I decided the only food items I could purchase are milk, bread, eggs and Gerber graduates. If I had a gift card or a previously purchased groupon (since I would not be... Fri, 3 Feb 2012 15:47:37 EST First Time Home Buyers need help. We're taking things slow. We live in an unsafe neighborhood and after almost getting broken into 4 times we're ready to move yet again. While we're still thinking of renting, we're also educating ourselves with first time home buyers mortgages. We're both afraid to make a move because my husband doesn't believe the end of the home mortgage issues is over yet. <BR> <BR> While the housing bubble didn't really do anything here in Central New York, taxes like everywhere else are spiking. <BR> ... Wed, 1 Feb 2012 21:26:08 EST Ideas For Saving for Our Daughters College. Can anyone help me figure out what the best plan would be to save for my daughters future? We used to think having a savings would be great but I keep hearing they get penalized for any monies they have saved over time and wouldn't receive any financial aid. She's only 4 months so that would be A LOT. Gathered by the information we're seeing, I'm guessing her tuition will be more than it is today. <BR> <BR> Any thoughts on where to put money aside for her? We live in New York State. <BR>... Wed, 1 Feb 2012 21:10:02 EST Great Start Hi. I'm new to SparkPeople, having been introduced by a family member who's having great success. So far I'm having fun accruing points, earning trophies, and carefully recording what I eat. I plan to be in this for the long haul, and look forward to interacting with other motivated online "losers" who are winners! Wed, 1 Feb 2012 18:38:33 EST hi again sorry all haven't been around in a while, <BR> but i was writing in my blog... <BR> the blog is : <BR> <BR> would love if you stop by and leave a comment... <BR> it is about greece and about me... <BR> little tips on how i save big or small... <BR> on how i'm trying my best to be frugal. <BR> on a nutty mom of 3 trying to make ends meet, and not always makeing it... <BR> would love to hear your commets good or even bad... <BR> bad comments make me try to... Wed, 1 Feb 2012 11:22:02 EST Howdy Howdy, <BR> I am new to the group. Want to get motivated to save some money and lower my debt. <BR> <BR> I am in Walnut Grove Mo but moved from LV and trying to sell our house there. Plus paying on college loans for our children. So definitely money is tight. <BR> <BR> Looking forward to getting to know everyone here. Sat, 21 Jan 2012 16:30:51 EST $5 Vacation Challenge Last year, a friend of mine told me he saves for vacation by never spending a $5 bill. I thought he was crazy, but decided to try it. Everytime I receive a $5 bill in change, I put it aside. I admit that the first few weeks were tough, but after a while it became a game. This past year I have saved $1300 without even really noticing. Hoping to go on a Disney cruise this summer. <BR> <BR> Try it! <BR> <BR> Linda <BR> Wed, 4 Jan 2012 20:53:15 EST Biggest financial challenge you have Hi all. <BR> <BR> I thought we have such a creative group and that we learn so much from each other that it would be good to share what financial challenges we are currently facing and one little thing we thought of to address that challenge. <BR> <BR> Mine is not so much debt itself, its the not using the credit card when an unexpected emergency comes up. So, here's what I decided to do; I call it my credit card use prevention fund: <BR> I made a list of things that could come up ... Tue, 29 Nov 2011 09:33:57 EST Hi - New Here I hope this will finally help me have some money saved for rainy days - too busy paying bills and debt payment did not even think to save for myself Sat, 26 Nov 2011 21:17:55 EST Challenge I am challenging everyone to not go into debt over the holiday season. Mon, 21 Nov 2011 06:15:19 EST Chat If you would be wealthy, think of saving as well as getting. <BR> Benjamin Franklin (1706 - 1790) Sat, 22 Oct 2011 22:59:05 EST New to the team & living on pennies month to month Hi, my name is Kim and I'm new to this team. I really need to start a savings, but the trouble is that I'm on SSI due to disability ($830.00 a month) and after I get my bills paid I might have $60 - $75 left to buy groceries. How do I save money on a budget like that? I would really appreciate any help I can get. Thanks! Sat, 8 Oct 2011 16:50:12 EST New here I'm new here and I'm looking for a group to really help me cut on stupid spending and help get my head focused to get out of debt ... I think if I can save some money then put it towards bills I could get going there but it won't be easy ... I have tried almost everything .... Wed, 28 Sep 2011 13:00:02 EST Save Some $$$ on Fresh Produce Eating well, fresh, locally and even organically, sometimes, can be achieved for a lot less bucks than grocery store procurement at a local farmer's market or produce stand. <BR> <BR> Example: This morning, I went to a farmer's market and bought a huge avocado, an eggplant, a basket of 6 lemons, a basket of 4 Anjou pears, a basket of organic Roma tomatoes and a bunch of cilantro for $9. Not bad! <BR> <BR> I wish more parents would take their kids shopping for fresh food. It opens the 'co... Sat, 20 Aug 2011 09:59:09 EST Please, get on the Team Map &Here's How to Do It This Spark Team is new to me and so was setting up to be on the Team map. We have 3,405 worldwide members, but from what I see/count only about 50 or less have "set up" to show on the Team Map. <BR> <BR> Here's how (it's easy. I did it! ha!) <BR> <BR> Click Community <BR> Click Spark Teams <BR> Click Manage my Team Emails and Settings – button above your teams <BR> All of your Spark Teams will show and have 6 boxes/columns <BR> to check and/or make your choices that control function <BR... Thu, 11 Aug 2011 08:39:57 EST Savings Contest - Longest Streak & Most $$$ Saved Greetings! I am a new member of this team and am one of the administrators of this team. <BR> <BR> I am holding contests on both the longest streak of saving and the most saved. <BR> <BR> Will you all, please, let me know what your current status in these 2 elements of SparkGuy's Savings Jar Club? <BR> <BR> The prize for each category is a very cool Spark Goodie! <BR> <BR> Deadline is 8-30-2011 (the end of this month) <BR> <BR> Thanks, Fellow Savers! Thu, 11 Aug 2011 07:35:37 EST Today is Day15 of No savings.... I quit for the last time smoking 15 days ago. My $1 a day savings just turned into $5 per day. It is truly motivation to stay smoke-free. <BR> <BR> Anybody want to join me? Tue, 9 Aug 2011 12:15:25 EST new member Hello Everyone, <BR> <BR> New the the team . . . Bought a house just over a year ago and planning to start a family soon so now is the time to establish a better family budget. We don't have tons of debt, but we recently noticed that we're spending just a bit beyond our means. We're carrying about $1500 on credit cards right now and know we can make some adjustments to get it all back in balance. Looking forward to reading everyone's strategies! Sat, 30 Jul 2011 14:22:58 EST Errand Running Business Hello All, <BR> <BR> I am wondering if anyone has experience with this type of business. I am thinking of starting one but wondering about the feasibility of it taking off as a money making event. I need to find something to do that will provide $400 a week. <BR> <BR> Thanks for you advice. Thu, 28 Jul 2011 15:06:01 EST Info on money from surveys???? Good morning! <BR> <BR> I've found a blog that rates the different survey companies performance from her personal experience. The blog is called "I Paid Twice For That Already!" <BR> <BR> What I'm looking for is a basic primer on how the survey companies work. Assume I know nothing and need info on how to get started and find the survey companies. <BR> <BR> Thanks for your help. <BR> <BR> Kim Wed, 27 Jul 2011 12:54:12 EST Summerly Frustated Hi guys, :) My name is Lesley and I need all the encouragement I can get right now. My husband is a high school teacher and I'm a substitute teacher. Summer is the pits for us financially because I don't get paid and he doesn't get extra pay for teaching after school credit recovery. We live about $900 short during each of the summer months. God has seen us through tougher times and I know he'll see us through this one too, but paying bills and putting food on the table is putting a lot of st... Sat, 23 Jul 2011 04:04:29 EST Crisscross Effect works Hi --- although I didn't have alot of weight to lose (30 pounds), becoming active in SparkPeople not only got me (finally) on a healthy lifestyle pattern for life, but also helps me with my finances. Its all coming together with no stress and no deadlines:) Thank you SparkPeople community!! <em>345</em> <em>345</em> <em>345</em> Wed, 13 Jul 2011 12:13:25 EST Hello My name is Gail. I am always looking for ways to save money. I'm so happy to have stumbled upon this team! : ) Thu, 7 Jul 2011 11:19:30 EST Want to be comfortable in the future I joined this team because I've always been careful about my money. I don't want to be someone who lives from paycheck to paycheck and constantly complains about bills and credit cards. I want to be able to live comfortably and not have sleepless nights about being in debt so I'm learning to save up now before I live on my own. <BR> I just completed college and will need to pay around 40,000 in student loans. So that is the first big step I must overcome. <BR> <BR> I'm promising myself no... Thu, 30 Jun 2011 15:38:31 EST Hi newbie here Hello everyone. I am here because I have reached the end of my rope. I am living day to day on a monthly disability check and I am very discouraged. I need some support and help with saving and budgeting my income. Wed, 29 Jun 2011 14:56:09 EST SparkGuy's Savings Jar Club (New Member) Hi my name is Melanie Louise Jackson (aka Grease 31), <BR> <BR> I have joined this group, cos i wud like to be able to save some money, when i have paid all my bills, from my benefit money, its not easy for me to do, so if anyone has any hints/tips/advice for me (i cud sure use the help), you are very welcome to visit my sparkpage, all the information that you need is there, hope to hear from you soon. <em>212</em> <em>247</em> Mon, 27 Jun 2011 06:48:35 EST savings soap slivers... Good morning to All, I'm new to your Savings Jar Team and I smiled when I read the message about saving the soap slivers. I also do the same thing and I will tell you how to keep these slivers together for a more effective use. Take one of your washcloths and sew together three edges flat with the other edge left open. Now, turn down the edge left open (about a half inch) and sew that down while leaving the half inch space to have a shoe lace pass through the opening to be able to draw it to... Sat, 4 Jun 2011 10:05:18 EST Saving $1&$5 Love this idea! Wed, 1 Jun 2011 15:41:26 EST I'm new here. I'm new to this team. Really need help with saving money. Wed, 1 Jun 2011 15:37:57 EST I knew I was a cheapskate when... You guys were so helpful to me for my last article for SparkSavings (See "What I refuse to scrimp on" thread) that I wanted to come back to ask my next question! <BR> <BR> I wanted to get input for an article on those extreme things people do to save a buck or two (or even a few cents). I, for one, have to laugh at myself every time I peel a label or postage off a package to reuse the envelope. Feel free to share your funniest or most notable frugal moments here! <BR> <BR> Thanks! Thu, 19 May 2011 08:17:51 EST Selling gold and silver I'm thinking about selling my gold jewelry to make some $, but I have never done this before. Any advice on what kind of store to go to, what to be careful about, etc.? <BR> <BR> I'm also thinking about selling my silver jewelry and coins. Does it make financial sense to sell silver jewelry? Are good stores to sell silver coins to typically different from those I should sell gold/silver jewelry to? <BR> <BR> Sorry for may questions. I'm such a novice in selling these things as well as on th... Sun, 15 May 2011 12:19:51 EST Hi! Hi! <BR> <BR> I joined this team last night. I'm in the middle of possibly a long (sigh) process to get my finance back on the track after divorcing a big spender. As he and I had completely different financial styles, I stopped looking at or even thinking about our and then my finance while we were married, and it took me some time to feel motivated again to control my own finance. <BR> <BR> I'm hoping that this team will help me keep motivated. Nice to meet you, all! :-) Sun, 15 May 2011 12:14:15 EST What do you refuse to scrimp on? Hi fellow savers! I'm a freelancer writing an article for SparkSavings and I'm curious what you refuse to compromise on even when you're saving money. Tell me what never gets cut out of the budget even when you're in saving mode and why! Your answer could show up in my article. <BR> <BR> I'll start: I always make room in the budget for getting my hair highlighted. The one time I did it myself with a box dye it turned orange and I ended up going to the salon anyway. <BR> <BR> Your turn! Sun, 24 Apr 2011 21:44:43 EST UNBELIEVABLE! School won't let kids bring lunch! An elementary school will not allow school children to BRING lunch from home! The reason: they say eating the school lunch is healthier? For whom? The food services bank account? Now, I don't HAVE children in school. But, if I did, I'd let them know that I am perfectly capable of packing a healthy child's lunch which is CHEAPER! <BR> <BR> I just think this is outREAGEOUS! <BR> <BR> <BR> <BR> Just sign me, <BR> <BR> "shaking my head in Chicago" <BR> <BR> Kim Mon, 11 Apr 2011 16:18:28 EST went shopping today yes i think i saved a few euros or more <BR> store brand and store brand again <BR> i paid only 51.00 <BR> got a few bags <BR> bought pee , beans and okra all from frozen veggie section <BR> i rember the beans were 1.49 the store brand and the next brand was 3,something <BR> double price <BR> the only thing i do not shop store brand is my little ones milk <BR> and her shampoo and conditioner <BR> i look at prices when i shop <BR> up and down <BR> double look <BR> saves a couple of euros here... Wed, 30 Mar 2011 10:57:44 EST Hi! Another New One Here! Hello All~ <BR> I'm Julie. 48 years old and wanting (needing) to try something new, Was a member of Sparkpeople many moons ago, and have since tried other avenues with my goals, with none being quite as easy (or free) as here. <BR> I need to lose 75 pounds, and like the cammaderie that is here. I also like the thought of having a group that will exercise "with" me, and lovin the "saving and getting out of debt" groups! <BR> All the best in one place! <BR> Anyway~ as I said, my name is Julie,... Mon, 28 Mar 2011 21:23:28 EST I'm new Hi, I am new to the team. Excited to join this team... Sun, 27 Mar 2011 22:23:11 EST Hello Career woman that can't seem to hold onto any $$ to save or invest. Looking for some inspiration. Thu, 24 Mar 2011 16:38:44 EST Dr. Oz's $1 A Day Diet - Article in WWW There's ann article on Dr. Oz's $1 A Day Diet in Women's World Weekly. <BR> <BR> It's got 3 days worth of menus, tips on how to save money at the grocery store (for example: chicken breast goes on sale every 2 weeks SOMEWHERE), and tips on feeling full. <BR> <BR> The women that tested the diet were given $35 worth of groceries to eat with for the week. They spent less than half of what they usually spent and lost up to 7 lbs in a week. <BR> <BR> Think of the savings not only in dolla... Wed, 23 Mar 2011 10:24:35 EST Introduction for FINFIN2 Hello everyone! I'm unemployed and in debt with mounting health care bills. My wife is very ill since September about a year after I lost my health insurance. Glad to meet all of you sparkers! Wed, 16 Mar 2011 17:23:33 EST Zero waste lifestyle Has anyone heard of this? I saw a video on it recently and have become intrigued. The family highlighted in the article moved from 2500 sq ft to 1400 sq ft and challenged themselves to zero waste. They shop at markets that fill containers with product; they compost scraps using red worms and the amount of six months of trash looked to be about a third of a 13 gallon trash bag. I want to challenge myself to do this in the month of April. I've come up with three categories: reduce, reuse... Wed, 16 Mar 2011 12:39:32 EST Unwise decisons My weakness is on-line shopping, especially for shoes. ( an on-line shoe discounter) is a particular favorite and a bit of a downfall for me. Last month I decided that I needed to save for an emergency fund as well as my husband so I made arrangements for an automatic withdrawal from my regular checking account to be transferred to an on-line savings bank with a delay for withdrawals. I'm also making monthly payments on medical debt that wasn't covered by insurance after a car acci... Tue, 1 Mar 2011 22:53:31 EST Where should I hide money so I don't spend it? I'm on a $10 a week budget for all my spending money, but I'd like to resist the urge to spend it all and actually save some. <BR> <BR> Where should I put the savings? <BR> <BR> I was thinking of leaving it at work, in an envelope filed under something that no one would look at. <BR> <BR> Then I wouldn't be able to get to the money when I'm home, so I can't spend it. <BR> <BR> But then today I spent 85 cents on a Snickers bar - killing both of my goals (weight loss & debt reduction). I... Mon, 21 Feb 2011 16:24:16 EST Shopping on a food stamp budget A couple of years ago, we had a challenge to shop for a month using only the equivalent of what a food stamp budget would be. I decided that would be an appropriate thing for us to do now but can't find the thread. I think that the amount was $25 per person. Does anyone recall? I am going to do that in the month of March and I am going to donate half of my savings to the food bank. Anyone else want in? Fri, 18 Feb 2011 13:54:51 EST Oil changes - time or mileage? I don't drive very much because I live close to work and often walk, or if I drive it's about 1/3 of a mile each way. <BR> <BR> I bought a used car in September and it had an oil change in July. I know it really had the oil change because I went to the same place (like a Jiffy Lube) to get another one and they turned me away because it had less than 300 miles since it was changed last. <BR> <BR> I have now put about 1,000 miles on the car since we bought it. Six months ago! <BR> <BR>... Wed, 16 Feb 2011 18:11:24 EST Is Gasoline a Big Expense for You? As gas prices are rising again, I was wondering if that makes a big impact on most people. It's something people seem to freak out about, but for us it's a very small part of our budget. <BR> <BR> For example, in Jan we spent $70 on gas. Our average for last year was $76 (which was higher than usual because our son was out of work for a while and I let him fill up many times using my card). This is nothing compared to our other "needs" monthly expenses like mortgage, groceries, car insura... Fri, 11 Feb 2011 18:37:14 EST Hello Spark World 2011 is my year of transformation if you will <em>41</em> <BR> <BR> I've not only set out to become healthier, but I've put myself on a budget; in January I made a little progress - I made in the "black" <em>292</em> AFTER adding to my savings account & making an extra debt payment - - HURRAY for me!! Sun, 6 Feb 2011 14:45:11 EST If you had to earn money right away..... Along with the Drastically cutting expenses" question, another topic brought up was: <BR> <BR> "If you needed to earn some more income right away, what would you do? Where would you go?" <BR> <BR> I thought this was a good companion to the other question and decided to pose it here. <BR> <BR> For me: <BR> <BR> 1) Sell some stuff on eBay. I'm working on this now, I have costumes that no longer fit me (they're too big) and books I bought/were given that I no longer need. I have real... Mon, 31 Jan 2011 12:43:23 EST Hi All Hi all, I am a new member and looking forward to saving money and being healthy! So glad I found!! <BR> Today I started my household budget <BR> <BR> <em>249</em> Sun, 30 Jan 2011 16:59:52 EST Hi! Hi everyone! My Spark Savings Jar right now is all the spare change we have. It's probably going into an emergency savings...right now we have over $130 in coins..hey its a start :) Fri, 28 Jan 2011 08:55:03 EST Just checked out sparksavin!!!! Hey all. I just checked out <BR> <BR> This dovetails with this team very nicely. You can create a monthly budget and track savings/debt repayment goals just like you track food/fitness here at "regular" spark people. <BR> <BR> It was quick and fun. Anyone else try this? You use your same username and password to get in. Wed, 26 Jan 2011 11:34:25 EST New to savings jar on savings web site Some how I have managed to post my savings 2 times and so the info is inaccurate. How can I remove one of these entries? I can't find the location to do so. Thanks. Wed, 26 Jan 2011 11:14:30 EST Bankruptcy? We are trying to decide whether to declare bankruptcy. We've cut everything to the bone and have a debt repayment plan. However, that $500 a month is killing us. We haven't bought clothes in years. My husband desperately needs dental work. We are down to one car because mine needs work. His truck needs a tune up and oil change before it breaks. But we don't have the money for anything except debt, food, medicine and utilities. <BR> <BR> We keep trying to squeeze more out so we can save up f... Tue, 25 Jan 2011 10:28:41 EST If you had to drastically cut expenses overnight Question: <BR> <BR> If you had to immediately and drastically cut expenses overnight, what would you cut? <BR> <BR> I had 2 inspirations for this idea/challenge/whatever: <BR> <BR> 1) I just reread the book Not Buying It by Judith Levine. <BR> 2) Our church had a 5 day beans, rice, and water fast. The idea being we become aware of what a large portion of the world lives on AND we'd donate what we save to the food pantry. (Food pantry use is up 89% over the previous year and our chur... Mon, 24 Jan 2011 10:28:43 EST Saving Money Hello, hello, hello! I'm so excited that I found this site! I'm looking forward to enjoying a new level of fitness, both physically and financially come this time next year. To that end, I'm making all of the changes I can so that I can actually realize that goal, instead of just dreaming about it. Sun, 23 Jan 2011 07:11:24 EST :) Hello :) Hi fellow money savers! First off let me say good luck to all of you, I know you can reach your goals :) <BR> <BR> I have saved money since I was a child. I always picked up coins and put them in jars, saving them for something better. When I started working I would put part of my paycheck into savings and the rest would go to pay for the bills. <BR> <BR> I had a plan to use the money for internships and travel after college but then I got sick and the money went to pay for health care and... Sat, 22 Jan 2011 00:41:06 EST Hi! I'm Autumn. My husaband and I are currently not working...yeah, bad I know. I am interested in this savings club! I have already been lurking around here, and saw the interesting links to websites for making cash. I am a member of many Survey companies, and I have been doing online surveys for a couple of years now...I think if anybody is interested in filling out surveys, you can ask me my experience with specific companies and I can tell you if the surveys are worth the incentives they give. One thing ... Sun, 16 Jan 2011 12:37:57 EST Introducing the Lee Ann of 2011 Hello everybody! I am so excited to be a part of your team. I just wanted to take a second and introduce myself. <BR> My name is Lee Ann. I am a 38 year old payroll manager. <BR> My husband and I bought a house in December 2009. On December 26th, we gutted it. The best part is that I LOVE my house now that we are finished. The downfall, we paid cash for the renovations which left my savings account with an EXTREMELY low balance. <BR> When I saw this team, I knew it was the one for me! Sun, 2 Jan 2011 17:27:57 EST hello! Hi all my name is ashley and this is my first day on spark. I an 27 and currently weigh 290 lbs my goal is to get to 160 and save $25k as fast as possible and as healthy as possible. Fri, 31 Dec 2010 23:10:48 EST Hello there! New gal here! Hi! Just wanted to introduce myself since I just joined the team! I'm Julie, and I literary just joined Spark People last night. I'm excited to continue on my weight loss-get healthy lifestyle change! That includes learning to save money. I've had a savings account for over a year, but I haven't actually saved any money. It has about 18 cents in it. I know - not good! Sun, 26 Dec 2010 10:07:24 EST Hello & Happy Holidays Finally ready to introduce myself :) I joined on 12/5/2010 and have just been lurking behind the scenes. It's been incredible reading all the success stories, tips and blogs. There's so much inspiration and hope which I've been desperately needing. I'm 60 plus pounds overweight and I'm ready to loose it in a healthy and realistic way. I was going to wait until the new year to "start" but why postpone living a healthy lifestyle. This has been a serious test on me... I figure if I can get ... Wed, 22 Dec 2010 07:30:15 EST Christmas/New Year Challenge Since I am late getting this started, how about we carry this through New year instead of just stopping at Christmas. There's only a week difference. <BR> <BR> Same as Thanksgiving Challenge - post SW and GW, then update each week. <BR> <BR> SW: 217.8 <BR> GW: 210 Sat, 4 Dec 2010 21:35:52 EST Extremly over weight need your help Hi im Sharon 1381 .Im a mother of 3 grown kids. I have 5 grandkids. I am extremly over weight. need to lose 140 pounds.I am 55 years young .Would like to be around for a few more years.I have very bad arthritice in booth knees so dont no about exercising I also have a very under active thyroid. Can use all the help i can get. HELP!!!!! Sun, 28 Nov 2010 01:03:42 EST Any Fun New Year Suggestions? Wondering what to do to celebrate New Year's Eve without dropping a ton of money. Any suggestions for a fun way to celebrate with my spouse? Thanks! Tue, 23 Nov 2010 10:35:31 EST And I never miss it! I've been saving all my dollar bills and since I only use cash, I get quite a few of them. I already have $650 one dollar bills saved. It's only been a few months. I never seem to miss the money. It's a great way to save a little extra. Sat, 20 Nov 2010 11:08:54 EST Hi, I'm Heather As a thirtysomething who has been overweight all my life and had a health problem pop up I wasn't expecting; I've decided that now is the time to get healthy and get my finances in order. That combination makes this site great! And I'm liking what I see as I wander through all the different stuff here. Thu, 11 Nov 2010 09:41:21 EST Great Gift Idea -for those who have everything. With the Holiday's coming and people starting to shop for gifts I wanted to put this idea out there. It is great for those who are hard to shop for and have everything. This is free and not a gimick or anything. <BR> <BR> <BR> Even if you don't need this maybe this is something you can do for you family. Give the Gift of yourself. <BR> <BR> <BR> <link><BR>oject/ </link> <BR> <BR> <BR> <BR> <BR> Also if anyone else has idea's out there that they ... Wed, 10 Nov 2010 18:41:57 EST Hello All I'm Tina from South Carolina and looking forward to losing some weight and keeping it off with the help of this site. :-) Sun, 7 Nov 2010 11:16:43 EST I've started saving So as well as putting £75 into my savings account, which I am going to try my hardest not to touch, I have also started up a money pot at home to put all my loose change it at the end of everyday. <BR> <BR> I don't have a lot in there right now, but I know how quick it will soon build up! Sat, 6 Nov 2010 07:00:43 EST New Lady Here! Hi everyone! <BR> <BR> I'm a 23 year old, recently new mom from Nova Scotia, Canada! I must admit that among several of the bad habits I have in life spending money is one of them. I am always getting after my hubby for his spending but I am just as bad only he doesn't scold me so in some ways I feel like I can get away with it. I am really glad to have found this team and am hoping to learn to manage my money habits better. <BR> <BR> Cheers! Fri, 5 Nov 2010 23:18:23 EST Average grocery bill? Hi, <BR> <BR> I just wanted to get some feedback from others as to what is a healthy grocery bill. This past month, I made a strong attempt at cooking more at home for my boyfriend and myself. I always look for recipes where I don't need to get too many ingredients. <BR> <BR> Maybe we spent close to $100 a week on groceries this past month for the both of us who live in northern NJ. We both think that's too much for just 2 people but I just wanted to see what you guys thought. <BR> <BR> W... Fri, 5 Nov 2010 09:03:27 EST Need to curb my spending I have a bit of a problem with money, spending money! <BR> If I have it I need to spend it. I don't have any savings & I know that I do waste a lot of my money on things I don't really need. <BR> I need to work on curbing my spending & cutting back. I'd like to get a budget sorted out so that I can start putting some savings aside. Thu, 4 Nov 2010 15:29:08 EST Question Is it true that while you're paying off your credit card debt you should still be making small purchases so that your credit score doesn't go down? Tue, 26 Oct 2010 10:20:52 EST Grocery Tips for Less Food Waste I know some of these are common sense, but it's always good to get a refresher. Plus some good tips on what to do with extra fruits/veggies/food! <BR> <BR> <link><BR>onsumer/152/a-step-by-step-guide-to-wa<BR>sting-less-food.html </link> Thu, 21 Oct 2010 13:08:54 EST Hello I am new to the group. Hello: <BR> I joined SparkPeople awhile ago not knowing what it was basically. I had an aha moment at my endocrinologist's office. I had gained weight which was unusual I usually maintained the weight that medication and my eatting and lifestyle put on. I decided right there and then to make a change. I rejoined the gym. I started researching weight loss and I bought The Spark and I logged back into Spark People and began to read and participate. Now I am participating in groups. ... Tue, 19 Oct 2010 03:25:46 EST Hi, I'm new Hello, <BR> <BR> I am a grad student going on an extra semester of grad school due to somewhat bad luck and my own problems with procrastination. I have accumulated quite a bit of student loan and credit card debt over the past couple of years (not to mention the extra 40 pounds). To top it off I am not even completely done with school. <BR> <BR> I am very fortunate though, b/c some of my hard work has paid off and I do have 2 part time jobs right now. I am hoping it will be enough to get b... Tue, 12 Oct 2010 11:17:25 EST Coins at the end of the day ... go into three groups ... State quarters, pre-state quarters (used for laundry), and others. The money builds up quickly .... Tue, 5 Oct 2010 12:18:54 EST Grocery Bill-Help! I have been thinking about how terrible our spending at the grocery store is. I have a budget of $400 per month written in for groceries (this includes our trips to Costco as well). We pretty much always spend closer to $600 per month on our groceries, and considering it's just my husband, our 1 year old, and me, that seems ridiculous! I have recently been cutting coupons and taking advantage of Walmart's price matching, but I don't see a difference. What are some of your suggestions for... Tue, 5 Oct 2010 11:18:33 EST Working on Healthy Physical and Financial Hello Everyone! <BR> <BR> I just joined your group and look forward to reading through the different topics. <BR> I've dug myself out of holes in the past and am doing it again but this time it's for good. The same goes for my weight. I'm don't want to change my name to Yo-Yo because that discribes me to a tee! Sun, 26 Sep 2010 20:47:47 EST Store Returns - Getting good at returning! Years ago I rarely returned anything unused. And believe me, I was good at buying things I didn't need. Last 2 years I've gotten very good at returns as well as trying to buy less. <BR> <BR> What have you returned recently to save some money? <BR> <BR> I even returned a set of Crocs on vacation at Disney, it was 1 size too small. It was at Epcot. We bought it 1 day and returned it the next because the size just wasn't right. They'd never had anyone return them before, but it was allowed.... Fri, 27 Aug 2010 21:20:02 EST Am I dreaming? I am just starting out and navigating through the site. It is hard for me to believe that not only am I receiving a free weight loss program, but financial advice too. This must be a dream, it seems too good to be real. Mon, 23 Aug 2010 23:17:52 EST Fitness & Finances ...seem to go hand in hand, it seems. <BR> <BR> My name is Kim and I live in San Diego. Am currently estranged from my husband in Southern Oregon. I've struggled with weight for decades and have lost close to 35 lbs. My goal is to lose 15 lbs. more so I'll be stepping up my exercise. <BR> <BR> I'm also a kidney patient advocate and freelance writer. Looking forward to learning a bit about managing my finances better. <BR> - Kim <em>67</em> Mon, 16 Aug 2010 03:48:17 EST Saving in CA I don't think I introduced myself when I joined, so here I am. My name is Pam and I'm a professional petsitter near Sacramento, CA. I also take care of my 72 year old disabled mother and my 94 year old grandmother. I'm saving to buy a house that I can make handicap accessible and where I can grow vegetables and raise chickens. Currently, I have saved a little over $1000. With the first time homebuyer program here, I need about $1500 for my share of the downpayment. Wed, 11 Aug 2010 21:35:21 EST Just started Hi everyone, <BR> <BR> I am new to the message boards, but wanted to introduce myself. You can visit my Spark Page to learn more about me so I won't reiterate the details here. I am just very excited to be starting SP. It seems to be just the thing I need at this time to stay focused and slowly but surely get my health back from the damages of radiation, chemo, side effects of medication and other things related to long hospital stays and bone marrow transplant complications. I'm doing ... Tue, 3 Aug 2010 16:29:41 EST New to the Savings Club Hi everyone! I'm working on digging my family out of debt. I am a full time nursing student, and I will graduate next June. I have been a SAHM until I went back to school. My husband and I have 4 children and our oldest is starting college in Sept. She will be living at home so we can save on room and board. We are in debt and I'm trying to whittle that down so that we can start saving for our other children's college and our retirement. Sat, 31 Jul 2010 17:22:39 EST Newbie here, suggestions needed Hi, I am a mom of two boys 8 and 9 years old. Finances have always been a struggle for me. My husband was out of work for over 18months. I worked a part time job and he was collecting unemployment. We were able to survive but we stretched all of our bills to the max with barely getting things turned off. Our mortgage is 3 months past due, and all the other bills include a 2 month past due. I don't want to lose my house, it is getting ready to go into foreclosure and all the other utilities ar... Fri, 23 Jul 2010 17:36:59 EST New Spark Goodies Available 65 New SparkGoodies to Give and Receive! <BR> Tuesday, July 20, 2010 <BR> <BR> <BR> We know how much our members love giving and receiving SparkGoodies, and you've been great about sharing your suggestions with us. So yesterday, we added 65 brand new SparkGoodies for you to choose from when rewarding yourself and others for a job well done! <BR> <BR> Many of these were suggestions from our members, such as seasonal Goodies (we added a rake, snow shovel, pumpkin, Mardi Gras beads, and more.... Wed, 21 Jul 2010 13:08:27 EST New (okay, a little nervous) & happy to be here! Hi, everybody! I'm a 40 something Mom and Opera Singer, and just found SparkPeople today. Looking for SparkFriends... have you seen any? haha Hugs & Encouragement to all! Tue, 13 Jul 2010 23:09:46 EST Question for July 5 <BR> Not everyone lives in the USA, so for those who don't, please share with us some of your favorite holidays/traditions, etc., where you currently live or where you are originally from. If you live in the USA, tell us your favorite holiday and why. <BR> <BR> Mine is Easter because of the Resurrection of Christ. Though it's origins stem from pagen Rome, the early Christians used it to cloak their real reason for the celebration. I also love the Spring flowers! For the short time we ha... Sun, 11 Jul 2010 12:02:00 EST New - need advice Hello, everone. <BR> <BR> I am new to the team and having trouble with debt and just making it through. I had an emotional breakdown yesterday and just don't know what I can possibly do to make the payments required. I only have about $45 left for the rest of the month - after making payments and the rent as well as food (I haven't even payed my cellphone bill yet, and have been making late payments on it on the 1st of the month - including this month - for several months) I don't know what'... Fri, 9 Jul 2010 14:42:17 EST Hi - New to the team I am very glad I found this group. I am a single mother of 2 "think they are grown" children. Finances are always a struggle and eating right on a budget is even harder. I look forward to learning from the group. Thu, 8 Jul 2010 12:06:56 EST Freaking New! Hi all! I am new to this whole paying off debt and saving thing. I am a mother of a three year old, and I truly see the value of not having any debt hanging over my head. I have actively been paying off debt that I have been accruing since I was 18 (ten years ago)! My debt is not that big, but debt in itself just sucks anyway. Anyhow, I am almost done paying off my medical bills, and I can't wait because we have the money for a down payment on a house, but we still need to qualify for a loan.... Tue, 6 Jul 2010 22:04:56 EST Hi Im Carol Im a single mom of twin six year old boys and needless to say Im tired of robbing peter to pay paul. Besides striving to be physically fit, Im striving to be financially fit as well. Im tired of living check to check. I have made a budget, clipping coupons, researching cheap activities for us to, bringing my lunch to work, shop at consignment stores and save all my loose change in a jar. All other ideas and advice are welcome.. <BR> Mon, 28 Jun 2010 21:26:30 EST Saving to pay for Mini Cooper Without much research, I fell in love with my newest car,a BMW Mini Cooper. After purchasing it, I discovered they are not easy or cheap to service! I do not regret buying it however, I am worried if it breaks down, I will not be able to pay for repairs. Therefore, I am here at sparkguy's savings jar club, to motivate myself to save all my spare change to save for a emergency car repair! Mon, 28 Jun 2010 21:12:25 EST Starting new! I was a member of Spark a while back and got off track for many reasons. Today I am starting new- making new goals and love this idea of saving $$ each day. I am starting my blue piggy bank off today with $21.13 of change I had no idea what I was saving for. I still don't know what I will do with it but at least I now have motivation to continue to add to it. I will add $1.00 per day plus $2.00 for each day I don't eat lunch out. <BR> <BR> Piggy bank total: $21.13 Sun, 27 Jun 2010 11:15:40 EST Hi All Hi, my name is Kelly. I am just joining this team and am hoping that it can help me save some much needed money. I'm 32 and have absolutely no savings to speak of. I do have some through my work, but that is it. I would like to feel a little more secure in my life and every little bit helps. Tue, 22 Jun 2010 13:33:22 EST Hi everyone! Hi all from Ohio. I just joined this team last week. I have raised 2 kids on a minimum income and have learned to watch what I buy. My sisters consider me cheap, but I like to think of myself as frugal, because $7.00 per hour doesn't go very far with 2 kids. Now they are grown and on their own and watch what they spend. Mon, 21 Jun 2010 09:00:52 EST I'm New! My name is Donna and I saw this and decided to give it a try. Mainly because things are so tight for us that it is difficult to get by. My son and I are both disabled so we live on a very limited income and I can't afford to save $1 a day but I'm determined to save. And maybe I can learn a few things about budgeting that could help us out. So here's to a better future! Sun, 20 Jun 2010 20:06:36 EST Eating off pantry for 2 weeks Inspired by the Daily Spark blog on organizing your kitchen for weight loss AND from rereading Not Buying It by Judith Devine. <BR> <BR> I wondered could I live off of what I had in my pantry and freezer for 2 weeks (or a month) <BR> <BR> Yep. That's what I'm doing. <BR> <BR> Organizing my pantry and refridgerator made me realize that food and financial issues tend to go hand in hand with me. It's good for my wallet AND my waistline. <BR> <BR> In order to make my "stash" last, ... Tue, 8 Jun 2010 11:45:17 EST Hi I'm new ! Q about initial set up. Hi everyone, I'm new to sparksavings, I must have missed an email, what a great tool! I have a question, I just set up my budget, but I can't figure out how to enter my current savings amount. Is it not cumulative, does it only track by month? Maybe that is where I am having an issue. <BR> Have a great day! <BR> -Brenda Tue, 1 Jun 2010 10:15:17 EST Broad spectrum overhaul My taking the reins with my weight and my health seems to have carried over into other aspects of my life as well. It's been a bumpy year - colonoscopy, breast cancer scare, dentures, a bout with depression, diagnoses of both high blood pressure and obstructive sleep apnea - and I've fought the good fight in all these arenas and come out on top. Plus I'm losing weight and in control again. That's a very good thing indeed. <BR> <BR> Like many families, if not most, though, we've been living p... Mon, 31 May 2010 19:04:12 EST Living & learning... Hello All, <BR> My name is Jordan and I'm a 23 year old student, soldier and single mother. I'm a Vet Tech in the Army, currently stationed in Ft. Lewis, WA, but will be relocating with my 1 year old lab mix and my 2 year old son to Tokyo, Japan in July. I'm double majoring in Legal and Asian Studies and would like to be an Environmental Lawyer, but wouldn't mind doing international law in Japan (depending on how much I like it there). I love exercising, learning, music, nature, culture, chil... Fri, 28 May 2010 23:34:35 EST Hello Hi my name is Diana, been with SP since 10-2009 and loving it!! <BR> Im happly married with 4 kids 3 growen up and out <BR> like the outdoors. just learned that I can run after all!!! LOL <BR> I sure can save a $1 a day, sound great!! <BR> looking forward to saving with all of you Thu, 20 May 2010 12:43:49 EST Hi ... new to the Team Hi everyone! <BR> My name is Anu, and I am new to the Team. I look forward to a smaller dress size with hopefully heavier pockets !!! <em>211</em> <BR> I hope to get some tips and inspiration here. As of now I just fail to locate the drain that takes down all the money!! Its amazing ...u have no idea where does all ur money go! But let me also clarify ..its not that I am a spend thrift or a shopaholic or anything... but yes those weekend splurges are quite something I have to admit. <BR> L... Wed, 19 May 2010 05:54:18 EST So Tempted I was so tempted to take one of my credit cards and use it. My daughter started driver's education this week and I said I would pay the class portion, if she paid the behind the wheel portion. <BR> <BR> I got lucky and the school takes payments as long as I have it paid by the last class. So I paid off today and I can pay the balance in 2 weeks. <BR> <BR> The temptation was there to just use the card but after working so hard to pay them off and getting myself out of major card trouble,... Tue, 18 May 2010 14:40:05 EST Hi Everyone! Hi Team, <BR> <BR> I'm Krystal. I'm relatively new to the team. I think this is a great way to stay accountable for your financial decisions! <BR> <BR> It's great to be here. Can't wait to find out all your money-saving tips and tricks! Sat, 15 May 2010 12:32:10 EST Free Money From The Gov. I have heard all this hype about free money from the Gov.,with some forms to fill out.Is this true,and if so,where do I get these forms? So far,I`ve only found FOOD STAMPS. Sat, 8 May 2010 05:17:57 EST Hello, I'm New Hi, I'm Cindy and I'm new to the team, and a returning Sparker. I am looking to gain control over paying off debt and saving for the future. My husband and I are both on the same page and we're ready for the hardwork ahead of us! <BR> <BR> At the same time, I am also looking to lose quite a bit of weight, so, not only do I want to shed debt, I want to shed some weight too! <BR> <BR> In good health, <BR> Cindy Mon, 3 May 2010 17:35:32 EST Hey all :-) Hi everyone, I'm Michele. I thought this would be a great team because who doesn't like saving money right?! Anyways I am originally from Florida, currently living in New York, in a month we're moving to Florida where we'll be for about a year saving up for our own house which will, hopefully, be in North Carolina. Busy busy busy!! Fri, 30 Apr 2010 18:51:41 EST Thanks again to Sparkpeo Spark Savings So happy to have found this. I created my own spreadsheet and been monitoring spending, etc. I read Dave Ramsey's books as well as Suzie Orman, David Bach, etc. So what better way then to have it all complied and it can do the math for me as well as motivate me. <BR> <BR> Thanks again for caring Sparkpeople/Spark Savings. Mon, 26 Apr 2010 10:52:49 EST Time to introduce myself? I'm Laurie from Maine. I joined this team a week or so ago, but I usually just jump into topics and forgo the introduction process. I thought I'd do it right this time. <BR> <BR> I've always been very thrifty, bordering on being cheap. At least that's what my family says. I would much rather make something than buy it, so I'm the one who makes gifts to the point where family are disappointed if I buy something for them. I make baskets and quilts and I knit to save money (okay, quilting ... Thu, 22 Apr 2010 14:46:48 EST Economical Wedding Centerpieces My son is getting married June 2011. He and his fiancee are looking for nice ideas for centerpieces for the dinner tables. The hotel will provide flowers for each table, but those are fairly expensive. Does anyone have suggestions for creative, economical centerpieces? (It will be a daytime wedding, and the room has a lot of windows, so candles will probably not have the desired effect.) Thanks! Sun, 18 Apr 2010 16:14:44 EST Economical Wedding Centerpieces My son is getting married June 2011. He and his fiancee are looking for nice ideas for centerpieces for the dinner tables. The hotel will provide flowers for each table, but those are fairly expensive. Does anyone have suggestions for creative, economical centerpieces? (It will be a daytime wedding, and the room has a lot of windows, so candles will probably not have the desired effect.) Thanks! Sun, 18 Apr 2010 16:03:58 EST Mary Hunt. Amy Dacyczyn. Cheapskate. Tightwad. Howdy ya'll!!! <BR> <BR> Who knows the names above? Anyone?? I do. I have read each of their books and highly recommend each for different reasons. Amy can be a little extreme...she saves dryer lint and washes out snack baggies, but she has many good ideas for the rest of us. Mary has a wonderful debt repayment/spending plan including what she calls a "freedom account" (I just opened mine yesterday!!!) <BR> <BR> I'm NavyGirlTam. From my name, its pretty obvious what my career is and my name... Tue, 13 Apr 2010 15:05:23 EST Hi everyone! I found this site off of SparkSavings and am really excited to finally find something to help me get my budget under control! <BR> <BR> I am a doctoral music student at the University of North Texas, so my income is a combination of student loans, a graduate assistantship, and teaching private clarinet lessons. My husband is a teacher's aide in a special ed classroom, so needless to say, we don't make a whole bunch, but we should have more wiggle room than we do. <BR> <BR> So here I am, I ... Tue, 13 Apr 2010 14:56:15 EST Newbie Hey everyone, I'm new to this group, but have been saving change for a few years now. At the end of the year (usually right before Christmas the jar get emptied to pay for gifts). I don't necessarily put a certain amount in everyday, but whenever I have change. I've decided that from now on, it will be $1.00 per day in the jar. However, I have no idea how much is in there at the moment, so I'll start at $1 for now. <BR> Good saving to everyone. Mon, 12 Apr 2010 18:20:19 EST New to Savings Jar Club team Hi everyone, joined the team about a week ago and then got caught up in dealing with family issues and issues of daily life in let's try this again.... Am looking forward to getting to know all of you and be active in the group threads, etc... can always use assistance/advice on financial issues, etc. <BR> <BR> Am 59 years old and have been disabled for 4-1/2+ years due to heart and lung problems, not to mention diabetic complications. Have had 2 open heart surgeries, last of... Mon, 12 Apr 2010 12:23:53 EST I'm new and excited about this board! I've been Sparking for my health now I get to do it for my wealth. I really need it for that more so I'm glad to be here! Looking forward to learning how to handle my money better. Mon, 5 Apr 2010 06:57:08 EST What Topics Would You Like to See Covered? We are looking for input from team members. What topics would you like to see covered in our threads? What do you need help with? What kind of challenges would you be interested in? Any and all feedback is welcome. Thanks! Sat, 3 Apr 2010 18:05:25 EST Wisconsin Newbie Here!!!! Hi, everyone! My name is Cheryl and I'm excited to read and share ideas on how to save $, etc., through this tough economic times! It's great to be here and I'll see you on the posts! Sun, 28 Mar 2010 10:28:26 EST Hello !! Hi, I'm new to this here & I love the fact of friends helping me save money & lose weight at the same time ! Thank you so very much ! Fri, 26 Mar 2010 20:05:56 EST Hi, I'm new! Hi everyone!! I'm new here to the team, but I've been on SP since 2007. Just today I found sparksavings, but I have no idea why I didn't find it before or. I'm guessing it means that I didn't want to really know what my budget is like. LOL! The bf and I currently are a 1 income household, which is thankfully money wise is (by the grace of god or maybe my boss) is currently working, but isn't great. Even though we don't go out to eat and I clip coupons and we watch our spending, money is tigh... Thu, 25 Mar 2010 13:21:05 EST Hello ! Hi, I'm new to this team and I am so excited to start on my new journey with all of you in losing weight & savimg money ! To be motivated to do both at the same time is alot of motivation for me ! Thank You Wed, 24 Mar 2010 19:48:37 EST Introduction Hi my name is Brenda, & I just joined your team! I can't wait to start saving money with you all!! I really need this to help myself stay on track with my goals. I tend to purchase when I don't need to to just because it's on sale! But hopefully this will be a new start! Thanks! Wed, 24 Mar 2010 10:06:18 EST This is ME!! Hi! everyone! I am looking forward to saving money to help me get to a comfortable position that I don't have to stress about how am I going to pay for THAT! I am 27 years old and don't really have anything in my pitiful saving account. I have yet to really take saving for the future seriously so I am hopeful that the small steps this group encourages will help me succeed. I have set a personal goal of saving 5 dollars a day. This is highly possible for me to accomplish. I can easily not... Mon, 22 Mar 2010 00:46:08 EST Hello I am new to the team, I joined the spark people program about 3 weeks ago. I love the program that have great supporters, motivators, and able to keep track fitness and nutrition programs. Before the program I thought I know what I was doing with diet, but Thank God for you Guys! I have lost the total of 6lbs. with success and still eat certain things I want! The Great! <em>224</em> With God in my life I cannot and will not fail. I thank God using Sparkpeople to intervene in my life! <em>21... Sun, 21 Mar 2010 09:57:34 EST New to this team. Hello. In addition to losing weight, one of my goals is to pay off credit cards and build an actual savings. This looks like a perfect team for me. Tue, 16 Mar 2010 22:53:24 EST HI!! Hi everyone,I am fairly new to sppark and am always stressed about money and budgeting. I have alot to learn and this site looks great! Sun, 14 Mar 2010 14:11:43 EST Hi!! Hi! I am Andie- I am currently trying to save $ and get out of debt as well as getting into shape! My husband and I just bought a house back in Nov. and well before that I had most of my cc's paid I am starting over as I have racked a few more than I should have up! Here's to getting out of debt:) Wed, 10 Mar 2010 13:56:52 EST HI! For a long time I've tried to come up with ideas on how to make money. Finally, I've learned to just ask! So here I am, hoping just to improve my quality of life a little. Tue, 9 Mar 2010 18:54:08 EST New to the Board, but not to Budgeting Hi all, <BR> I'm new to this team, but I've been budgeting for years. In fact, it's part of my job. I help university students figure out their finances and where they can cut stuff if they need to in order to live. <BR> I love getting new ideas for bringing in new income, or new budgeting tips. <BR> I've got a lot to share myself. <BR> I look forward to being active on this team! Fri, 5 Mar 2010 12:18:45 EST March Pantry challenge: Eat down your pantry. Apparently, March is pantry challenge month where you eat down your pantry. <BR> <BR> Anyone up for this. I thought I had cleaned out my pantry pretty well a year or so ago. And, I've since stocked it with dried beans, rice, etc. <BR> <BR> But, I cleaned it out again and found some things to use up that I had forgotten about. <BR> <BR> What about you? Anyone else up for the challenge? Wed, 3 Mar 2010 13:00:02 EST New...doing a fitness and money makeover. I'm not new to Sparkpeople, but am new to the Savings Group. Like my body, my finances are also a mess. Any person can make that link. If I can't focus on staying fit, why would my finances be in order? <BR> <BR> Like my weight, I'm trying to tackle my debt one bill at a time. Heck, I just want to pay everything on time! Tue, 2 Mar 2010 13:18:43 EST Newbie on the site I can't say I just signed up today, I've actually been on the site for the last 6 weeks and have lost 10 lbs. Last week after stressing out at work I stopped using the site and realized I needed to keep myself focused. I started reading the book this weekend and realized I need to use all of the tools on the site rather than just tracking. Hoping the message boards and teams can help me with suggestions and a friendly ear. Mon, 1 Mar 2010 19:03:02 EST stressed and broke I have way too many financial obligations right now. My 13yr old is planning on going to Washington D.C. this June for a school trip. We still owe some $800 for that by April 1st! I will feel better once this is accomplished and I don't want to put this part on a credit card. I could really use encouragement and advice. Thanks Amy Mon, 1 Mar 2010 00:40:49 EST Hi all! Hi everyone, <BR> <BR> While I don't have much debt, I do have a habit of spending all the money I have and not saving anything. I am also trying to wean myself off of my dependency on my VISA - I was, until recently, in the habit of using all my cash to make my monthly payment, and then needing to use my VISA to pay for everything for the rest of the month, etc. I'm making pretty good progress on it! <BR> <BR> Anyways, I joined this group because I'd like to get in the best financial sha... Sun, 28 Feb 2010 10:52:59 EST Hi! Good morning! <BR> <BR> Hi, everyone! I'm Melanie, age 32 and a SAHM to an 11-month-old. <BR> <BR> For as long as I can remember, I've wanted to be a mom, and for as long as I've wanted to be a mom, I've wanted to be able to set my career aside, stay home, and focus on raising my kids. It took me a long time (and a lot of loss) to become a mother, and I thank both God and my husband every single day for allowing me to fulfill my dream. It's everything I dreamed it would be -- and, of cours... Sun, 28 Feb 2010 10:04:15 EST Hello from DC! I'm new! I have been watching Till Debt do us Part on CSNBC. Each couple gets placed on a cash diet where they only use cash for expenses. The cash is kept in jars. I started using cash in jars last week. I was shocked that the cash stretched farther than I thought it would. So, now I plan to put aside the cash that's left at the end of each 2 week period for my savings jar. Is there anyone else out there putting the debit card away and using cash? Fri, 26 Feb 2010 21:31:35 EST Hello Hi Everyone, <BR> <BR> My name is Alyssa. I'm currently on the path to obtain overall health. In October 2009, I hit my weight loss goal. Last January, I made the decision that I needed to be financially healthier. I have been working very hard to get there. It's still a work in progress. But I keep working just as hard at that as I did my weight loss. I wish I could hit financial goal as quickly as I did my weight goal, but such is life. I think I will appreciate this journey and al... Thu, 25 Feb 2010 06:09:01 EST Learning The Hard Way! Well, I have learned a valuable lesson, costly but valuable. Last year my car kept breaking down and I used all my savings to keep it running and when that ran out I used a payday loan. That was a bad bad decision. <BR> <BR> Just yesterday I submitted forms to my retirement company for an advance on my account so I could pay them off and some credit cards, luckily they granted the advance. I cannot contribute to my retirement for at least 6 months once I get the advance. <BR> <BR> I wi... Tue, 23 Feb 2010 12:57:46 EST Intro Hey, I just noticed this team and because my New Year's resolution is to reduce debt and save more I thought that it very fitting I join. I am really looking forward to learning new and interesting ways to help me achieve my resolution. Mon, 22 Feb 2010 12:34:46 EST New to the team Hi all <BR> <BR> My name is Sue. I am a self-employed Reiki Teacher/Master. Also an animal communicator in conjunction with giving them Reiki. <BR> <BR> I have dropped 18 pounds since October when I recommitted myself to the SP program. Currently, my weight is not going down but I am definitely gaining muscle as i rehab my leg. I recently found out my 'weak' knee is actually advanced osteo-arthritis so my weight loss goals are now as important for this as avoiding type II diabetes which... Sat, 20 Feb 2010 13:43:37 EST Hello from Ayrshire, Scotland Hi! Have been a member for a long time, but didn't use SparkPeople every day. I've been finding that I come back more and more often lately, especially because the database is filling up with more UK foods all the time. I'm doing my part by sharing whatever UK foods I add. I also use which is good but not as exciting as SparkPeople. I'm especially on the lookout for other UK members. Got 100 pounds + to lose, so this is a long haul, but have been listenign to the audio book o... Sat, 13 Feb 2010 08:44:10 EST Hi I am so glad I found this team. With my daughter heading off to college in a few years and my husband and I wanting to retire someday, I need to learn as many savings tricks as I can. <BR> <BR> It is great to be on board. My Savings Jar received it's first dollar today. <em>213</em> Thu, 11 Feb 2010 19:10:20 EST Hi Hi everyone. I just came across this team and am looking forward to learning to be more disciplined with savings. Thu, 11 Feb 2010 14:07:08 EST Hello from Omaha! Home of the Buffett. Hello everyone, <BR> <BR> I am excited about stumbling onto this team. <BR> <BR> My name is Suzanne (Suz, Sue, Suzy). As I stated I am from Omaha, home of ?. We Omahans like $ and especially like knowing how to keep it or sometimes giving it. <BR> <BR> I am one of the most conservative people in the world I think sometimes. I still count pennies. Which when I saw the pick up the penny challenge, I couldn't resist joining this team. Sue...... Wed, 10 Feb 2010 12:10:57 EST Hi All Hi my name is Stephanie, and I am a stay at home mother of two. I live in Utah and just found sparkpeople. Thu, 4 Feb 2010 21:08:16 EST % of Gross income? What percentage of your gross income do you save? I've read that most men should be saving 10% of their income for retirement and women should be saving 12% (because they have a longer life expectancy). <BR> <BR> I'm at about 7.5% for my retirement right now, and 3% for additional savings... hoping to increase both very soon! Wed, 3 Feb 2010 07:37:43 EST a day, a month, a year When I joined the Savings Jar Club, one of my savings accounts had a $0 balance. :( That day I transferred $365 into it - a $1 a day for the year. Today I transferred $31 into it - $1 a day for each one in Jan. My goal each day is to not touch it. A new streak is to see how many days, months and years I never touch it. Sun, 31 Jan 2010 12:40:59 EST Saving $1s and $5s I saw this idea come through on an Everyday Cheapskate email... <BR> <BR> It's an either/or - I do both... <BR> At the end of the day, go through your wallet. <BR> All $5 bills get pulled out and put in a jar. <BR> All $1 bills get checked. Look at the serial number. If the serial number has one of your initials, it gets pulled and goes in the jar. <BR> <BR> I've been doing both the $1s and the $5s for the past 3 weeks and have already piled up $65 in the jar! And I don't use a lot of ... Sat, 30 Jan 2010 19:20:30 EST I need help! Hello, <BR> I just got a new job and I only get paid once a month. I've always received two paychecks a month, and I had trouble with budgeting that. Do you have any advice for me? <BR> Thanks! <BR> M Fri, 29 Jan 2010 17:08:02 EST Emergency savings amount How do you decide how much you need in an emergency fund? <BR> <BR> Do you make sure you have 2-3 months expenses set aside? Just pick a dollar amount? <BR> <BR> My savings is pretty small right now, but I would like to have at least $3000. This would pay our bills for a couple of months if I were to lose my job. Mon, 25 Jan 2010 07:17:58 EST savings jar How do you get the savings jar ticker on your page? I am new and anxious to get motivated to pay off debt and save. Should a person save while paying off debt, or pay of debt then save? <em>38</em> Sun, 24 Jan 2010 10:20:17 EST Have any of you used I have heard that it is supposed to be a great site for buying daily "stuff", so I was curious about how it worked or if it really does save money. Sat, 23 Jan 2010 11:21:54 EST Hi I have been an accountant for 30 years, but sometimes I am the equivalent of the plumber with the leaky faucets at home. I don't always 'walk the walk' even though I know all the talk and I teach others what to do. <BR> <BR> Right now we are digging ourselves out of debt accumulated while paying for college for our two sons. We are trying to pay down our debt while also paying for our daughter's college. The budgeting goal is perfect for me. We have a budget but I sometimes get lax about... Sat, 23 Jan 2010 04:45:42 EST Uses for your "emergency" savings? What sort of things would you consider an emergency? <BR> <BR> Running out of cash between pay periods? Your car breaks down? Anything that you need and don't have the money for? <BR> <BR> Are there certain things you would never dip into your emergency savings for? Fri, 22 Jan 2010 07:24:28 EST hi all Hi my name is Melissa. I live in WI with my husband and daughter. I have never been a saver but I need to manage my money better. Today was pay day and I had only $1 in my account till the check went in. I dont want to live like this. I need to save so I can visit my family in CA this summer so that is my first goal then I would like to start paying off my student loans and the last of my credit card bills (down to 3 and 2 are down to triple digits). I need help and I need to be accountable s... Thu, 21 Jan 2010 22:01:29 EST Debt Management Companies Just wondering about Debt Management Companies. Has anyone looked into or used a company like this to get their credit cards under control. I have been researching a few and not sure that is the right avenue for me. Most offer several programs. One to reduce interest without damaging your credit too much, one to settle your debt which this would involve bills going to collection before they could negotiate so considerable damage to your credit report. I would love to hear everyones input on t... Tue, 19 Jan 2010 11:36:14 EST Howdy from Texas I'm new to SP and new to this team. This team is one that my hubby and I desperately need so I will be participating all I can. Wish us luck because we are starting "in the hole." Thanks in advance for all of the good advice I know I will receive here! Wed, 6 Jan 2010 09:01:31 EST Hey Guys! My name is Joanne and I'm from Des Moines, IA. Like millions of people I have a new years goal to save money. I have some new circumstances that have made saving especially important for me. We moved to a new townhome last spring and took on a mortgage that will last even when we sell our paid for old house. The other thing is that just last year I had to put my 95 year old father into a nursing home and have watched his savings dwindle at an alarming rate. God willing the good genes along wi... Tue, 5 Jan 2010 08:13:43 EST Hello,I'm new Hey I just found this team a few days ago and since it goes along w/ I of my goals for this year- get finances under control, I decided to join. <BR> Sun, 3 Jan 2010 15:43:23 EST Surveys by Nationality It's been asked if there's a list of companies which offer paid opinion surveys that indicates which nationalities are eligible for participation. I found this one, in case anyone's interested: <BR> <BR> <link><BR>list-paid-surveys.htm </link> Sun, 3 Jan 2010 11:36:28 EST Hi, I'm New! I have been on Sparkpeople for quite sometime, although really haven't had the motivation or the mindset to stick with anything. This year is the year! I had a successful day yesterday and am feeling very positive about the whole thing. While I am losing weight and getting healthier, I want to see my savings account gain. I look forward to getting to know the people on the team. Best wishes to all of you in 2010! Happy New Year! Sat, 2 Jan 2010 14:13:26 EST Newbie here.... <em>128</em> It's about time I joined a group and posted something. I joined Sparkpeople in May and basically did nothing. My name is Martha and I'm started fresh as of yesterday! I went through the Financial Peace University class at church in the spring and so far so good. I then started de-cluttering my house, so far so good. <BR> Now, it's time for me to kick my butt into high gear and get this weight off. I have over a 100 pounds to lose and I'm determined to have it off, be mostly... Thu, 31 Dec 2009 21:06:47 EST The Waiting Game Last June I decided that at 50 I would be fit and fabulous. That goal was suddenly derailed 2 weeks later when some major health issues developed. It took awhile to determine exactly what the problem is, but it turns out that I have 3 different bad heart rhythms. 2 of the 3 are not too bad. The other one is not so good. I have had one ep study and ablation, and will have another in January. Before that time I am not allowed to do ANYTHING. No bending over, no climbing stairs, no walkin... Sun, 27 Dec 2009 13:34:39 EST Hi! Saving daily, Where to enter count? Gee! this is embarrassing, I really can't figure out how to enter the money I save daily. Trying to maneuver around is a challenge for me and figuring everything out is going to take longer than I thought, but that's OK. So guess I better ask for help if I want to speed up things.. <BR> <BR> <em>2</em> Wed, 23 Dec 2009 09:57:23 EST spilling over Hi! <BR> Around 2 yrs ago I joined weight watchers and lost 30 pounds. It was awesome. I was so happy with my new lifestyle I didn't think about the numbers on the scale. It seemed every other area of my life flourished once I got control of my eating, even my finances. Wed, 23 Dec 2009 05:42:35 EST SparkBreak/Team Leader Well, team, I owe you an apology. I knew that I would not be on as much with my parents here over Thanksgiving, but I had no intention of taking a three and a half week break. So I am very sorry about disappearing on you. <BR> <BR> To further complicate matters, some things have happened at work that have me working very long hours, and typically, by the time I get home, I am exhausted. It isn't bad stuff, in fact, I have gotten a good promotion, but I am worn out setting up a new depar... Wed, 16 Dec 2009 19:46:02 EST i'm saving 6.60 a day now i'm saving 6.60 a day now <BR> how by not smoking <BR> i know if i look around me and in other places i will find that i'm saving even more <BR> but i wanted to tell you about my 6.60 euros a day <BR> 2 days without smoking is13.20 euros <BR> way to go to me Wed, 16 Dec 2009 04:59:46 EST Hi I am ready to change. It is time to put me first .Not only do I need it but I want it! The time has come. Thu, 10 Dec 2009 02:39:51 EST I DID IT!!!! I'm so excited. I have reached a goal!!! Today I am making my final payment on a credit card!! <em>30</em> <BR> It feels so good to have paid that off. One down, two to go!!! Fri, 4 Dec 2009 09:59:30 EST Hi from PEI,CAnada Joined group today! This is a great idea!!! Mon, 16 Nov 2009 16:59:45 EST Christmas is Almost Here!! Time to plan ahead! Have you started planning? Finished shopping yet? I would love to hear everyone'e plans for saving money this Christmas season! <BR> <BR> Remember, money goes a lot farther when you shop smart!! Sat, 14 Nov 2009 20:41:40 EST Should I buy a netbook? So, my laptop is ancient and broken and I do NOT want to put any more money into fixing the darn thing. I have my eyes on a pretty little netbook, (Asus EEE in white), but Im not sure if I should make teh splurge. The netbook has really great reviews and is only $300. <BR> <BR> I think a new machine would really help my workouts. Im getting really sick of my old itunes playlists and really want to update them. Also, its annoying to log everything on SP through my little iPhone! (Plus, it... Mon, 9 Nov 2009 17:38:15 EST Hi from Maine Hi-I'm Linda and I'm new here. Looking forward to learning all I can and I'm glad to be on this team. I'm a big Dave Ramsey fan. His plan has gotten me on my feet again. Sat, 7 Nov 2009 14:49:26 EST Chiquita79 Hello, I am glad to join all these positive, warm, motivated, and successful group of people. I have been looking for something to give me that push to make a change instead of feeling bad formyself i now see hope. Home to make friends and share my weight looss goals with all you aout there since i have lot of weight to loose, but ill take it a day at a time. Good Luck to everyone! Tue, 27 Oct 2009 13:42:05 EST Cutting back during a Recession What things have you done to cut back? Mon, 26 Oct 2009 22:51:37 EST My daughter is due in Februay; any good ideas? I would like to do something nice for my daughter without breaking the bank. Please give me your wonderful ideas. I've never given a shower before. Fri, 23 Oct 2009 20:46:25 EST Tax documents on donations Can anyone help in giving advice on donations and how to use in filling up tax documents. I have donated to charity including Goodwill and they gave me signed and dated forms saying to fill for tax purpose. I have never used it before for filing for tax...but I am thinking of doing this time hopefully (for next year). Do you know how it works. Thanks for help. <BR> <BR> Mun. Fri, 23 Oct 2009 11:34:03 EST Gone This Weekend Just so everyone knows, I will be out of town (doing my Avon Walk!) this weekend. I doubt that I will be on again until Monday, so everyone have a great and healthy weekend!! Thu, 22 Oct 2009 20:22:51 EST A Fun & Free Way to Stay Active Hi team, another SP member shared this fun website. It is hosted by the Lawrence Berkeley Lab and provides a fun and free way of tracking distances. I am user 58517 if anyone is interested in joining and wants a partner. Here is a link to the site: <BR> <BR> <link> </link> Thu, 22 Oct 2009 12:24:08 EST What is the deal with the free grocery card? Anyone sign up for the $250 in free groceries? I keep seeing the add pop up on SP. Sun, 18 Oct 2009 21:20:30 EST Dow 10k!!! Did you guys see that the Dow closed at over 10,000 today? First time in over a year, and that was while it was still on the way down!! Yay!! Wed, 14 Oct 2009 19:17:31 EST Hi from North Florida I'm very interested in reading about ways others have found to save money. We (DH & I) try very hard but never seem to get ahead. In addition to us, we are also supporting our oldest DD and DGS. <BR> <BR> I've been with Spark since 2006 and absolutely love it, so think I'll check this team out for a while. <BR> <BR> Candy Wed, 14 Oct 2009 12:39:22 EST Hello Hi all! I'm Erin and I live in south TX. My SO and I are struggling big time right now with money and I thought this team might be able to give me some pointers on how to save and save properly. Hope to get to know you all soon and see you around the forums! Sun, 11 Oct 2009 14:18:30 EST An affordable baby shower My daughter's and SIL first child is scheduled to arrive the later part of November. We put together a wonderful shower for her at very little cost. Here is how we did it: <BR> Got a party room for free where she works. <BR> Food cooked by son in law in the kitchen where he works and some donations from the owner. <BR> Diaper cake made by me for the centerpiece. <BR> Real cake made by friend to feed 30 people for the cost of the cake (her gift to my daughter was her work) <BR> Several people ... Sun, 11 Oct 2009 10:48:48 EST Howdy from TX I am a RN in Texas. We have been on a strict budget since my hubby got laid off back in March. Bummer. Income slashed in half. So always looking for new tips and hopefully can share some too. I am a huge Dave Ramsey fan! Are there any other DR fans out there? <BR> Here's to a "penny saved is a penny earned" ! Sat, 10 Oct 2009 09:36:58 EST New member from AR...GO HOGS! I am a new member to this team and a fairly new sparker. I started Spark people in July and have already lost half of my goal. I am a banker and I love to save money I just sometimes have a hard time with it so this was the perfect team for me! Fri, 9 Oct 2009 09:01:11 EST New Member Hi Everyone, <BR> I am obviously new to this team. I started my love affair with SP last June. I am 30 pounds lighter and much happier overall. <BR> <BR> So, now I have found a team to help me work on saving money. My husband and I went through a rental home crisis when the housing market fell through. We have always been pretty good savers but, we really took a big plunge in savings funds when this happened. All I can say, is I took some really lousy financial advice from someone I trusted ... Thu, 8 Oct 2009 06:08:47 EST Newbie from Pa Hi my name is Mary.....just joined this team today...joined Sparkpeople in December of 2008....I'm loosing using those principles to start saving. Tue, 6 Oct 2009 08:28:59 EST New member from Minnesota... Trying to get out of credit card debt. I plan to make extra payments in addition to the minimum to achieve that goal. I am 63 and worried my retirement fund and social security will not be enough to live on and have only 3 years to go unless I am able to work longer. Things have been tight since my husband retired a year ago so have been looking for things to cut out of the budget which has been difficult. Wed, 30 Sep 2009 06:30:54 EST Hello from Texas Hello all. I joined this team in efforts to help myself, and others save. In about 2 years I will be finished with my Bachelors degree, and will go on to pursue my Masters in Occupational Therapy. In order to do this the family cars need to be paid off as it is a full-time program. That means I need to have about 35,000 dollars saved to pay both of them off. Hopefully with the peace of mind that comes with paying off debt I can get healthy as well. I am working towards a change. Good luck to ... Tue, 29 Sep 2009 11:32:35 EST HI Hello everyone i am from Va. I am a mother of one she is 6 weeks today. As of right now i do not have a job because i got fired while i was pregnant so i have no income coming in of my own but I am looking for ways to save money because my fiance is the only one working and because once i get a job I want to save money. Mon, 28 Sep 2009 10:23:27 EST Hello everyone Hi I'm new and I was so glad to find this team. I had added my first $1 to my saving's jar and am looking forward to saving money with each of you. Sun, 27 Sep 2009 19:08:52 EST Another new one from NC Hi to everybody, I stumbled across this team and boy can I use it. Living on a fixed income has come as a shock, no more overtime. Hope I learn a lot and maybe I can pass on some wisdom too. <BR> <BR> Dee <em>213</em> Sun, 27 Sep 2009 14:04:59 EST Reasons for the Savings Jar Club <em>227</em> <em>227</em> <em>227</em> <em>227</em> <em>227</em> <em>227</em> <em>227</em> <BR> This is an informational thread only - Please do not reply or post on this topic. <BR> <em>227</em> <em>227</em> <em>227</em> <em>227</em> <em>227</em> <em>227</em> <em>227</em> <BR> Introductions can be made on the INTRODUCE YOURSELF FORUM. <BR> <BR> One of the most important parts of this is to make sure you pay attention to the math so we don't get off track with our runn... Wed, 23 Sep 2009 20:25:28 EST Nicole I am trying to become a healthy eater so I can be around for my son. I still am having a hard time giving up junk food. Wed, 23 Sep 2009 12:51:29 EST 10 Inspiring Thoughts for Tough Times I received this in an email today and thought it was really good so I wanted to pass it along. <BR> <BR> 10 Inspiring Thoughts for Tough Times <BR> By Noah benShea <BR> <BR> Difficult financial times often inspire people to become more extraordinary. Challenge and adversity can push people toward their own greatness. It can launch you on a deeper personal journey toward happiness, fulfillment, and a life of meaning. As you explore ways to gather strength and improve self-esteem, remember,... Fri, 11 Sep 2009 22:27:25 EST Post Your Savings in the SparkJar!! So for everyone who is saving.... Please remember to post your savings to our SparkJar!! It is really easy, just visit this thread: <BR> <link><BR>sageboard_thread.asp?board=0x178x18055<BR>30&src=email </link> <BR> <BR> Look at the SparkJar total from the last person who posted, tell us what you are adding into the jar, and then post the new SparkJar total. So your post might look like this: <BR> <BR> My jar: $200 + $3 = $203 <BR> <BR> SPARKJ... Fri, 11 Sep 2009 20:41:18 EST Hi everyone I'm finally trying to budget and learn what I need to about finances in my 40's. I've just done it haphazardly up until now. You know what I mean, the old running balance of my checkbook in my head and only really watching the budget when I know for sure I have to stretch from one payday to the next. Isn't it amazing how if you really need to you can make money stretch, but the second you don't have to there it goes out faster than it comes in? I'm really glad I found this group. <em>198<... Sat, 5 Sep 2009 09:21:13 EST Another One Down!! Just wanted to announce that this weekend, I paid off another credit card!!! I am so excited!! Also, this was the first of the really big outstanding credit cards, and it is completely gone!! YAY!! <BR> <BR> So for me, that leaves one credit card, one loan (that was supposed to be debt consolidation, how stupid of me), a car loan, and the mortgage. I have paid off three cards now!! We are going to win!!! Thu, 3 Sep 2009 19:54:43 EST Hello everyone! I've been a Sparkpeople member for a long time and lost almost 90 pounds a year ago... since then I have fall off the wagon and gained about 50 or 60 of those pounds back. I'm looking for a fresh start! I am also an unemployed college student and could really use some of the money saving tips I've found here! <BR> <BR> Thank you! :-) Wed, 2 Sep 2009 09:15:15 EST Gift Card Rescue I saw this on ABC's Shark Tank the other night and checked out the website. You can sell your unused giftcards or even exchange for another giftcard to a place you like better. You wont get your full purchase price if you sell, but if your not going to use it anyway it might be worth a shot. Here's the link if interested.. Wed, 2 Sep 2009 06:03:02 EST Credit Cards: Good or Evil? We have touched on this in so many threads that I can't even count them. So I thought it would be interesting to tackle it head on and see what everyone had to say. <BR> <BR> In our country, credit cards are so prevalent it is crazy. How do you feel about them? Are they a useful tool, or a setback to be avoided at all costs? Wed, 26 Aug 2009 20:28:34 EST retired in December I retired in December and am adapting to one income while adding frugal behaviors to my life to improve my family's life and bcome more "green". Will be starting saving jar to purchase an electric smoker for preserving foods with smoke Tue, 25 Aug 2009 18:14:02 EST Hi just started today, I am trying to lose weight, be healthy, and get out of debt, and save... everything in life is a balance, I just feel better when my life is balanced so thats what I am here for.. look forward to getting to know each of you and supporting you in your goals Sun, 23 Aug 2009 10:40:42 EST Personal Banking So hubby and I have been looking hard at our personal finances over the past year and a half, and we have been putting a lot of energy into making sure that our money is where we want it. I had been reviewing our personal bank, and looking hard at other banks to determine if I could get better rates from another bank in the area. <BR> <BR> As it turns out, I was able to find a bank that I think is better suited to our needs, and we went by yesterday and opened our new savings and checking... Wed, 19 Aug 2009 09:31:03 EST Yep, New Hi all, I am very excited to have a support group for the 2 biggest things that I need support on all in one place, money and weight loss! <BR> <BR> I have started my own "great debt payoff plan" to be free from the chains of credit card debt by March of 2010 and it is taking every ounce of my energy. I am really excited to be able to watch it grow. <BR> <BR> For savings right now I have been rounding each entry in my check book to the next whole dollar and am impressed to see with gro... Mon, 17 Aug 2009 13:21:04 EST On my way to debt free! I'm SO excited! I just paid off two credit cards and the IRS. All my regular bills are completely up to date as well, for the first time in a long time. Also making steady progress on the two remaining credit cards and the other debt. It will be a while before I can scream "I'M DEBT FREE", but I'm on my way. Fri, 14 Aug 2009 19:20:24 EST I'm a compulsive shopper! I can't believe it. I am such a compulsive shopper. I seem to shop online when I'm bored. This morning, I bought some shoes. About an hour later, I started feeling regret for the purchase, so I called their customer service to cancel the order. They had already started processing the order and couldn't cancel it. The best they could do for me was tell me to refuse the order when it arrives, but I'd still get stuck with the $6.25 shipping fee. Well, then I started thinking if I'm going to get ... Mon, 10 Aug 2009 14:35:27 EST Car Paid Off Hello everyone: <BR> Last night I made my last car payment! I am so happy to finally be from under my car payment. What's really cool is the fact that I paid my car off approximately two months early! <BR> Now I plan to use the extra money to put some of the money in my savings account as well as pay off my charge card. Slowly but surely I am reaching my goals of carrying as little debt as possible! Thu, 6 Aug 2009 07:51:59 EST New Joined a few days ago and just now getting around to introducing myself..I want to save some that I can spend it on my new clothes when I lose this weight..Hope everyone is having a great week! Wed, 5 Aug 2009 07:48:32 EST Changing habits I am trying to change eating habits--and change spending habits! So I figured this team is a good place to start :) Tue, 4 Aug 2009 13:45:22 EST The Top 3 Fuel-Saving Tips Reported August 3, 2009 <BR> <BR> The Top 3 Fuel-Saving Tips <BR> <BR> ORLANDO, Fla. (Ivanhoe Newswire) -- Gas prices are going up. They've already jumped 20 cents a gallon since May, but there are ways to save. Here are the top three fuel-saving tips. <BR> <BR> They're going up, up, up! Here are three ways to keep your costs down. <BR> <BR> First, stop driving like a maniac! Accelerate gradually, drive smoothly and you could see as much as a 33 percent gain in fuel economy on the highway... Mon, 3 Aug 2009 19:22:52 EST Tips for Changing Habits? My husband and I are chronic spenders, whether we have the funds or not. We'd like to be chronic savers, but we have a long way to go. So, I was wondering about tips for changing habits like eating out. How do you avoid the "I'm tired from work, don't want to cook and SO don't want leftovers." It all boils down to dedication and willpower, doesn't it? Sun, 2 Aug 2009 22:42:41 EST Hi - Newbie to this team Just started SP a few weeks ago. I getting my ducks in a row with nutrition and fitness goals. I thought about my finances as well, and thought those need improving too. So today is the first day for the rest of my life. Hello World ! Sun, 2 Aug 2009 10:53:21 EST mycheckfree Hi everyone! <BR> I found this site called, where if you pay bills online you can pay them all at once. They even send you emails to let you know when they are due. Its totally free and no cost whatsoever. They have literally hundreds of companies that have jumped on board with this online service. I pay everything from my water bill to my JC Penny credit card with this service. It saves some money and time by not having to pay for stamps and sending checks out. Hope this ... Mon, 27 Jul 2009 05:44:41 EST Introducing myself Hey everyone <BR> <BR> I'm not new to SP but new to this team. I really need financial help and I hope I can find it her. I have been out of work since January and cannot find a job. My boyfriend works in oil and makes a decent wage but its not enough to keep our heads above water. WE are getting disconnection letters from pretty much every utility company and we just don't know what to do. Any suggestions? Thanks, <BR> <BR> Andrea Sun, 26 Jul 2009 16:50:19 EST Losing the weight, gaining my money back Hello all, <BR> My name is Erica and I am 25 years old. I am finally getting the weight thing together, but my finances are another story. I am glad this team is here to help. I have found that I am actually saving money by losing weight becuase I am doing things such as shopping at Goodwills for clothes so I dont have to buy new clothes all the time and eating healthier and not going out to eat as often. I hope to get to know many of you. Take care! Thu, 23 Jul 2009 05:52:30 EST NETSPEND Hi all, <BR> I am new to the team but wanted to put this out there for those that have struggled with balancing a checkbook or dont have good enough credit to get a checking account. if you go to you can get basically an online bank account where you have a VISA debit card attached to your account. <BR> <BR> You can have your paychecks or whatever else that you need directly deposited into the account. If you need money to put into the account for instance to be able to pay... Thu, 23 Jul 2009 05:39:06 EST Looking for buddies-A lot of weight to lose I really need to succeed in this program. My health is going downhill because of food and improper eating. I can use all the encouragement you want to share. I want to be able to do things normal people do. I want to feel good about myself and how I control my life. Are you in the same boat? Sun, 19 Jul 2009 20:33:42 EST Need help saving money Glad I found you to help me. Sat, 18 Jul 2009 19:23:52 EST Hi I'm New I wanted to try and save on a more regular basis. <BR> <BR> I'm an emotional spender and had a nasty anxiety attack that broke my bank account in June. <BR> <BR> So I'm hoping to learn how to manage the emotions and money while my income is small enough to do this. Fri, 17 Jul 2009 21:02:05 EST Hello I am new Hello everyone I have a very hard time with my budget. I have custody of 3 Grand kids so I only have the money coming in for them. I was ding not to bad, but as of a couple months ago the oldest didn't want to live here anymore, wanted to go live with mom but couldn't so decided to go into foster care. With him gone I am out 700 a month which really hurts. I really have to get some help with this. Please <em>39</em> Fri, 17 Jul 2009 10:53:54 EST Demi on Vacation Just wanted to let everyone know that I am leaving for a week on vacation. I will be working a full day tomorrow, then hubby and I will load the kids in the car and we will be leaving for Georgia for a family vacation and church retreat. I will be back, don't know for sure if we will be coming back a week from Saturday or Sunday, but you will hear from me as soon as I am back. <BR> <BR> Take care, everyone, and I will "see" you soon!! <BR> Thu, 16 Jul 2009 21:35:21 EST Methods for tracking spending? I have tried lots of things to keep track of our spending/debt/bills, etc. In all honesty, we can't figure out a method that works for us. Do you track daily? Weekly? Do you break it into categories: needs/wants/debt/utilities? Computer tracking versus paper tracking? How do you keep track of two people? My husband and I find it difficult sometimes to mesh. What "wants" do you cave on? My husband can't seem to let go of the energy drinks :) Anyway, I'd love any input/ideas on this s... Mon, 13 Jul 2009 11:57:44 EST Money Doesn't Grow on Trees Are familiar with the book Money Doesn't Grow On Trees: A Parent's Guide to Raising Financially Responsible Children by Neale S. Godfrey? It is an amazing way to teach kids (and adults) how to manage their money. I highly recommend it. <BR> <BR> Linda Fri, 10 Jul 2009 16:39:44 EST Another new member :) I am joining today because I am looking to find self-control in most areas of my life. Working on eating right, exercising, and the financial end. My husband and I keep taking one step forward and two steps back. We need to figure out how to dig out of debt, save, and continue to improve our lives all around. I'm excited to learn from you and hope I can share too! :) Fri, 10 Jul 2009 15:23:48 EST Hello, i'm new. Hi. I've been on spark people for a few months and just found this team. It looks like an interesting one, I've been trying to save money. It's hard right now, I do home day care and business is slow. Looking forward to meeting you guys and learning some new ways so save money! Tue, 7 Jul 2009 11:59:06 EST Recipes - Time and Money Savers (Not food!) We have had several people mention things like homemade cleaners, facials, and other stuff on this team. And it seems to never fail, someone asks the recipe, it gets posted on whatever thread, and gets lost forever in the archives of the SparkGuy's Savings Jar Club. <BR> <BR> So! Please post your recipes and suggestions here. We have plenty of food recipes here on SP, but I would love to see your favorite (inexpensive!) facial recipe, your (dirt cheap!) toilet cleaner recipe, your (prac... Mon, 6 Jul 2009 20:30:44 EST July Challenge: Found Money!! Hey, all, sorry I am so late posting this!! July's challenge is going to focus on Found Money!! <BR> <BR> What is found money? Found money is pretty much any money that you recieve during the course of the month that wasn't in your original budget. For instance, gift cards or cash, yard sale income, and cash for mowing the neighbor's lawn all count. <BR> <BR> This month, we want to look at every aspect of found money. Namely, we want to find MORE found money, and use the found money ... Fri, 3 Jul 2009 20:43:46 EST What would you classify as a luxury? What would you classify as a luxury? <BR> <BR> (Luxury - 1- of great ease and comfort 2- something desirable yet costly to get 3- something to add pleasure to your life but not absolutely necessary (The New Meriam-Webster Dictionary (c1989)) <BR> <BR> Are there any of those"have right now? Sat, 27 Jun 2009 05:35:17 EST HOW DO YOU FIND OUT ABOUT COURT CASES About a year ago I got a letter in the mail. It was from the U.S. Equal Employment Opportunity Commission of the Los Angeles District Office. It was a notice of settlement and consent decree. I didn't really understand it that well. But I did as I was orderded to do. I sent the letter back with the information they wanted. The letter said this notice had to remain posted for three years the the date below witch was April 1st. Anyways I did what it said to do. This week I got a check in the ma... Thu, 25 Jun 2009 12:22:10 EST How much do you need to feel rich? Questions from the book: <BR> "You can't buy enough of what you don't need" by Mary Ellen Edmund. <BR> <BR> What do you classify as a luxury? <BR> <BR> are there any of those luxuries that I can afford to have now? <BR> <BR> What would really satisfy me? <BR> <BR> are there items that would satisfy me that I can afford to have now? <BR> <BR> What would it take to make me FEEL rich? <BR> Are there any of those things I can afford to do now? <BR> <BR> What possissions do I currently own... Mon, 22 Jun 2009 15:30:53 EST I'm new Hi everyone, <BR> <BR> Looking to learn a lot & save $$$$$$ Fri, 19 Jun 2009 23:08:30 EST Fun Fund Hi Sparkmates! <BR> Years ago I started small savings accounts for different purposes. The one I like best is the Fun Fund. <BR> <BR> In that account goes all the rebates and refunds and unexpected money. Then, when opportunity arises, I have the funds to go... usually a vacation or mini vacation. Hawaii was one of those! A weekend to the coast of OR was another. A theater night with my daughter was memorable. <BR> <BR> There's a little over $500 there now. I'm dreaming of what's ne... Thu, 18 Jun 2009 11:53:46 EST Ironic finding this team I had just set my June goals. One of them was to "pocket" any monies I would spend on lunches when I bring my leftovers, coupons at the grocery (I don't do this at all); etc. I wanted to save for a treadmill. <BR> Then today I stumble upon this team. I love it. I'll get my treadmill and continue this good practice with your support and save for fun and security! <BR> <BR> Look forward to meeting you guys. Now I just need to figure out how I report my contributions! Tue, 2 Jun 2009 14:20:32 EST Message Removed Message Removed Fri, 29 May 2009 16:27:26 EST newbie from Ks I am so happy I found this team. If anyone needs to learn to save money it's me. I did have a savings account but have had to use it all to pay extra bills that popped up! Wish me luck as I will do the same for you. Max <BR> <em>198</em> Tue, 26 May 2009 20:19:28 EST Financial Priorities Now that we have been tracking our spending for almost a month, I thought it would be a good time to ask.... <BR> <BR> What are your financial priorities? Saving for retirement, or putting a kid through school, or saving to buy a house.... Where do you want to be headed financially? <BR> <BR> And does your actual spending reflect those priorities? Sat, 23 May 2009 20:18:37 EST Hi...from South Jersey!!!..I'm new and..... Hi ev1..I've only been using SP site for a short period of time; but I love what I see, am learning, new friend...etc..well I know that most of you know what I mean. I'm not good at budgeting at all; and it has caused many problems for me; but I know that it is never too late to get on the right foot. I'm looking forward to meeting new friends and learning as much as I can to start over. <em>41</em> Wed, 13 May 2009 11:24:24 EST Hello from Arizona I am new and I am excited to about everything I have read on this team. I have always been weak when it came to saving or knowing where my money went so now I want to turn over a new leaf. Fri, 8 May 2009 10:55:27 EST Spending more than I'm making - HELP! Ack! I was so proud of myself - for the last two months I have tracked Every Single Thing that I've spent money on. And I don't just say "groceries" either, I go through and list out "fruit," "dairy," "drinks," etc. so I know EXACTLY what I'm spending money on. <BR> <BR> I did that for March and for April, and have used that information to create a budget for May... but here's the deal. Even if I cut WAY down on spending, my proposed budget still requires me to spend $100-$200 MORE than my e... Thu, 7 May 2009 16:58:27 EST