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Oh my goodness!

October 22nd, 2014 at 07:17 am

I knew it had been a bad month for Murphy visiting. I just didn't know how bad until I started working on this month final financial totals. Yowsa!

Lets start with over $700 in vet bills just last week! Lets add on another issue that cost $1700 This week! EEEK!!!

A nice big car repair also hit this month~ Blah!

I also need to throw winter storage for the RV in for Nov. budget. Good rate at $10 a foor for the whole winter.

I am very much hoping to spend no more money the rest of the month besides a few $'s for milk and bread!

These expenses bite but I am just thankful we are prepared!

Kiddo is having a dilemma about his major. He has no electives and all classes for his major and 17 credits of classes being taken. He is finding it very boring and thinks he wants to change even though I am told the classes are easy. Anything to do with engineering being easy baffles my brain.

He is seeing someone about this next week. He had to go out of the area for engineering and live on campus. The program he thinks he wants to change to is available at the college in town. I will say if kiddo does decide to change majors and go local next year it will save us a ton of $. Really I just want him to pick something he will be happy with.

I need to remember to pick up a case of beer for someone that came and helped me out this week )

Small fun goals

October 7th, 2014 at 02:15 pm

I am almost to my small goal of $800 wanted for some event tickets I'll be buying in Feb. All the money has come from surveys, rebates and extras. None from actual wages. I should have it finished up by Friday I believe.

It has really amazed me how fast this came together once I set my mind to earning a little extra through sources other than our paid jobs.

I will still keep saving these extras once the original goal is met. I'm just not sure if it will be towards a getaway this winter or if it will start the saving pot for Europe.

I ended up saving and extra $600 out of our general budget last month without reducing anything going into savings or investments. I'd love to tell you I saved it or put it towards the winter trip. We spent it all on a new pet and supplies. We are very happy with our decision Smile

Having a fun debate!

October 1st, 2014 at 07:04 am

Last week dh and I had discussed not missing our winter cruise this year. We had previously planned to skip it and started wavering. We had decided if I could pull the money out of the budget and from the little extras I earn that we would go.

We were debating if we would rather have a cruise every year or save up for a few weeks in Europe three years down the line. Decisions decisions. We decided once I finish the funding for the tickets I am currently saving for from my extras earned that we will just keep saving. We will need to decide by the end of Dec of we want a cruise in Feb or March so hubby can request vacation.

As we decide I will just throw what I can in a general fund.

No is a good word to help hit our goals :)

September 29th, 2014 at 05:38 am

I had already tallied up Septembers spending so I sure didn't want to change it! Someone wanted fast food over the weekend. Nope. We have plenty to eat in the house. You just have to cook it!

We have been being pretty lax in that department. I hate telling the kids no as much as I hate cooking sometimes. However we don't hit our goals without a plan!

Sometimes the day to day frugal stuff is just plain old boring you know! A packed lunch on our weekend fishing trip is just not as exciting as stopping at some eclectic hole in the wall diner but we did it anyway! Cooking after a long day plain old sucks sometimes but we did it anyway. I am the one that struggles the most in this area as I do the majority of the cooking. Some more self-discipline is good for the wallet and the size of my tush Smile

401K raise and a challenge for us to take on!

September 22nd, 2014 at 01:14 pm

We bumped the 401k up another %. It is currently at 21% after the bump. We will bump it back up in January to reflect dh's raise %. We are leaving the company stock we purchase on the side at the same $10 a week. We did debate stopping this.

Dh and I were discussing how we decided to forgo a vacation this winter. We put what we already had saved into investmants when we decided not to take one. Upon further reflection we decided no vacation stinks!!!! We would both like to do another cruise.

I am already saving my survey and money from little extras like that for a festival next summer. That is budgeted at $800 for tickets and camping. You can purchase the tickets in the spring for the best camping sites. We generally do this with family and it is a yearly thing. My savings for that is at $544.85. I have $255.15 to go! This has all been from side money from little things.

Keep in mind I do all the budgeting , investing and bill paying. Dh does most of the money making. Dh and I decided if I can find the cash by reducing expenses or the extras I make from that we sure can go! No money can come from regular paychecks, savings, cash already saved or by cutting investing. I do some extra work if I can fine something that works around my PT job and my health issues. That is the tough one. I cant do a lot of sitting, standing and lifting. Any extra take home from dh is only available to this goal if it is over a certain amount. The rest is earmarked for other goals. So I am going to give it one heck of a good try and I love our every winter vacation!!!

I will have to be far enough to see we will be able to do this my the end of December. That is when my spouse has to submit his vacation requests. He is high man on the list so he gets first dibs but cant procrastinate as the rest of the crew is waiting to submit in order of seniority.

I am a pleasure seeking critter and find this much more fun than looking for ways to save $ just to save for the long-term. I know it should be the other way but alas, it is not!

I think this should be fun! A list of things I can cut or do to save $.

~cut out all dining out ( my fault most of the time as I get sick of cooking!)

~ cut out the weekly bottle of wine ( UGH!!!!)

~ cut the grocery bill

~ when our contract is up in Jan see if satellite is a better deal than bundling basic cable and internet. We have only 1 internet provider. I know dh is not want to cut the basic tv and I'm OK with that if it makes him happy.I know he would cut it if I pushed it but nope.

~ burn wood when I am home

~ keep the furnace at 67 day and 62 night

~ sell a few extras

~ The electric bill with drop a bit as the ponds get shut off for the winter.

~be the electric police

~ try again to do the bigger dogs nails instead of paying every 4 weeks. I can do it on one dog but not the other.

~ stop eating too much myself

~ quit the pool on the games at work.

~ take showers instead of a long soak in the jet tub. ( I love that deep tub!)

I am going to be very honest and say I do not see enough fat in our budget to accomplish this but they say " where there is a will there is a way!" So I will do the best I can. I do so love a FUN challenge! Wish us luck!!