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It's Been a Year

January 16th, 2009 at 03:01 pm

but I'm still here. Our 401 and 403 took a bigger hit than last year at this time. My husband who wanted to retire this year will be working another year at least now. Our goal this year is to save as much as possible. We are living debt free so it should be easy.

We're are also trying to go "Green" as much as possible. This is for the Earth as well as our pocket books.

We'll see how it goes. Scrimping and savings can be fun. I am old enough to remember all the tips and tales of my parents and grandparents during the "Great Depression".


January 18th, 2008 at 01:53 pm

It is so hard to see the gains plus the hard earned money in my 401 drop away. I am feeling it was all for nothing. Thank heaven I have money in other things not connected to the stock market. But I was putting so much of my check in my 401 in anticipation of retiring. Sad, so sad. I'm hanging in there hoping for a correction sometime this year or next with a new administration in office.

Want or need?

January 13th, 2008 at 11:01 am

That is the question. I have decided that this will be my mantra for the year and will only buy if I NEED it. So far it's been saving me a lot of money. I never realize how much I buy because I just want it.

I wish I had known...

January 1st, 2008 at 03:36 pm

I was taught if you wanted something save for it. I am and always have been a good saver but in my early years I'd save up and spend. I wish I had three savings accounts (back then we had 5 1/4 % interest) I wish I had saved for emergencies and for my future besides my wants.

No Spend Day??

April 15th, 2007 at 02:58 pm

We had to get groceries, we have this budgeted and we were within our budget. Is this a no spend day? We didn't get anything we didn't need. If it doesn't count then when ever we pay our bills, even though it's budgeted for, counts as spending. I'll have to think of a new challenge.

Still on No Spend Days

April 13th, 2007 at 06:40 pm

We had dinner out with drinks and still spent no money. Gift Cards we found from Christmas!! The streak is still on.

No Spend Day No.2

April 12th, 2007 at 05:23 pm

At my lunch at home. For dinner we made our own pizza with the stuff we had at home. Day number 2, we are on a roll.

No Spend Day

April 11th, 2007 at 03:19 pm

I had a no spend day. We are having a late season snow storm so management ordered pizzas so no one would have to go out. Then, we had a power outage. No work and a free lunch. The power never did come back on and we left early, paid for our normal hours. What a no spend day! I am burning the calories from the pizza shoveling the heavy, heavy snow. It will be snowing until tomorrow. Eck.


April 9th, 2007 at 06:39 pm

I have hit the blahs as far as finances goes. I have much on autopilot as I could. It'great going but kind of boring. So, I want to spice things up. See how long I can go on No Spend Days. See if I can break some of my records using coupons. See how much fun stuff I can do for free. My employer will pay half of a health club fee. I used to join but this year I have not. I'll see how much I can do without. (the club has a great outdoor track that the public can use). We'll see what I can come up with to keep me going.

It's Been One Year

April 1st, 2007 at 04:12 pm

My one year anniversary. I have learned so much in this past year. I have been so frugal. Using coupons, set a budget, learned more about my 401k, started investing, learned about On'line Banks. Everyone has been so nice with advice and comments. I am looking forward to reading more from you all and learning more.

A Planned spending day

January 20th, 2007 at 02:24 pm

I spent today, groceries. But it was budgeted for and we were within budget. Otherwise a quiet day. We're waiting for the snow storm and the Bear's game tomorrow.
Yesterday was payday, the budget was gone over, bills paid and accounts all balanced. We're sitting pretty so far.

Still on track

January 18th, 2007 at 05:40 am

It's the 18th day of the year and I'm still on track. I have only had one spending day(work pig-out for bosses job promotion). I even found some money (only 7 dollars but hey!) so I think I'm doing all right.


January 13th, 2007 at 04:29 pm

Today was a no spend day. My husband wanted to go out to lunch when I got home from work, but I talked him into doing a 50's drive up lunch at home. (Hamburges, french fries, pickles in a paper plate and holder, with big dill pickles on the side). When we usually do this type of meal we make shakes to go with but no ice cream. We did have chocolate for milk so we did that instead. Seems so simple but we call it this when we saw a retro 50's diner on vacation and us being children of the 50's loved it. So we do it at home every once and a while.

My No Spend Week

January 12th, 2007 at 05:43 pm

I was so close to ending the week without spending a dime but.... we had a pig-out at work, there was a sign up sheet. I scanned the list and had nothing at home that fit the list so I had to stop at the grocery store. I really tried to be creative with out spending but being the end of the week, I had nothing. So close, so close. I will start again on Sunday and see how far I can go.

No Spend Day

January 10th, 2007 at 06:15 pm

It's Wednesday, day four in my no spend week. I am convienced I'm addicted to spending and suffering withdrawal. I think that I wouldn't have spent anything normally today anyway so why am I feeling like I need to go out shopping. Thank heaven I had a very busy day at work and am pretty tired. I'll go to bed soon and day four will be over. Hanging in there until tomorrow. Good night

No Spend Day

January 9th, 2007 at 04:02 pm

I have had three days now, not spending a thing. My dinner came from eating down the freezer and pantry. I'm working on a no spend week, which will be hard since one of my weakness is "Kohl's 15% off if you use your charge". I had a day off today and usually I clean the house, do errands and hit the stores. I almost weaken thinking I could hit the stores and just look, but nah, I know myself.

No Spend Day

January 7th, 2007 at 02:49 pm

I'm coming to the end of a great "no-spend day". I set up my budget, cleaned out my purse, started up with my coin jar, cleaned out my 2006 files, started gathering the tax stuff, put the rest of our christmas stuff away, cleaned the car, made chili and corn muffins. I did almost run to the store for green peppers for the chili but stopped and we will just do without today. I'm feeling very pleased with my self.We also listed all our credit cards with associated phone numbers, all our emergency phone numbers. I found all the credit bureaus fraud line numbers, we took out all unneccessary items from the wallets. It's all for "just in case" something happens. We have it in a safe place now. I am going to try to have a no spend week.

It's been a while

December 3rd, 2006 at 04:47 pm

I haven't added much lately. I started my journey into Personal Finance in April. I have curbed my spending, invested into stocks , discovered EmigrantDirect and went into auto deposits. I have learned so much and saved a lot. The year is winding down and my looking into new goals. I have enjoyed reading the posts too. I (we) don't have any debts to speak of. We just never believed in credit cards. Thanks for a great year and looking forward to the next.

coin jar

September 29th, 2006 at 03:53 am

I'm taking in my coin jar to the bank today. I did not do that last month. I was saving all coins and singles. Occasionally taking out quarters for parking when I go to a meeting in town. I'm anxious to see how much there is. Also today is the end of 3rd quarter so when I do my books this weekend I'll see how I did. My second son went to college this fall so took a hit for that last month but I think I did good. So we'll see.

SLow but Sure

September 15th, 2006 at 03:48 am

Finanically things have been going pretty good for me. Sending a son to college has set me back this month, but happy I wasn't sending him to the Marines like he wanted.

My budget is working very well, I'm using percentage instead of a set dollar amount. I readjusted my 401K and it has settled down alot. I did lose a lot of ground the first half of the year.

I've invested in the stock market this year. Just a little but it's been doing very well so far.

I looked into EmigrantDirect for my savings and that has been great. My I bonds on the other hand. When I purchased them, 6% now maybe 2% and I can't do anything about it for another 4 oonths. Hopefully the rate will go up again in November.

I've been letting my coinjar ride this month. I'll cash it in, in October.

Lazy Days

July 11th, 2006 at 03:38 am

Coin jar total for June was 89.52, not bad considering how many no spend days I had in June. This is vacation month so I don't plan on much headway. I still put in to savings and investments as on budget but I don't plan on anything extra going in.
We are doing much more planning with the car trips with the gas prices climbing. Something we did before but extra trips weren't that big of deal, now, well we really think. We travel a bit to get our groceries but the store is a big savings for us. We ran out of bread the other day, our local store charges a dollar and quarter more for the same loaf we buy, it just wasn't worth it for us to travel to our other store for the difference. Still,it was so hard to pay that much for bread when I know I could have gotten it cheaper. Ouch.