Debt Dumpers - 2013

[gracie1]

DH paid off another credit card yesterday. 2 left and one will be done the end of march! We think we can be CC debt free by the time baby gets here!

Way to go!!! You guys are doing great

 

[tinker&belle]

We paid off a small student loan this week! Now to finish paying off my van!

 

[vegasnative]

Way to go!! And your doing great with your christmas fund as well I already have a list of what I am buying this year, and have started saving as well! I have actually started shopping for a few things so I can cross them off my list. I always go out on black friday, but that shopping is for me

I have some cash saved for Christmas as well, $300. so far. It is actually a bday/Christmas fund that I pump money into every month. My families bdays all fall between late Oct-Dec., so I have to have money set aside for those at the end of the year. I did this last year for the first time ever, and what a difference having cash already ready to buy the gifts. Talk about a stress free holidays. Sounds so simple, ..."hey, save cash now for those bdays and holiday shopping coming up", yet it took me awhile to catch on. Oh well.

I'm not as good as you, no list yet. I will start writing down ideas soon though. Once I hear one of the kids mention something they like, I will write it down and keep it in my wallet.

 

[gracie1]

We paid off a small student loan this week! Now to finish paying off my van!

Great job on paying off the student loan!

 

[gracie1]

I have some cash saved for Christmas as well, $300. so far. It is actually a bday/Christmas fund that I pump money into every month. My families bdays all fall between late Oct-Dec., so I have to have money set aside for those at the end of the year. I did this last year for the first time ever, and what a difference having cash already ready to buy the gifts. Talk about a stress free holidays. Sounds so simple, ..."hey, save cash now for those bdays and holiday shopping coming up", yet it took me awhile to catch on. Oh well.

I'm not as good as you, no list yet. I will start writing down ideas soon though. Once I hear one of the kids mention something they like, I will write it down and keep it in my wallet.

I used to be the same way, not save cash and then I would be burning up the credit cards for the holidays! I hated seeing those bills come in, because I never kept track of what I was spending! The stocking stuffers around here are normally the same each year.... bath and body works (so I hit the semi annual clearance right after christmas for the following year), razors and things like that, so I can buy those throughout the year. Normally every year my mom gets a pair of gold hoops and a purse, so if I find an exceptional deal, I pick that stuff up too!

 

[tinker&belle]

Great job on paying off the student loan!

Thank you!

 

[gracie1]

Bumping thread

 

[danielle79]

Wow, everyone is doing really well! As much as I like Dave Ramsey, i also will be taking a vacation January 2014 and still be in debt!

 

[milwaukeemommy]

Well I'm not doing as well as everyone else. Between a pump that needed replacing (after having water in our basement no less than 3 times in the last month) & a nail in the tire of hubby's car, it's not exactly been the frugal month I was hoping for

But good for everyone else!!!!!

 

[gracie1]

Well I'm not doing as well as everyone else. Between a pump that needed replacing (after having water in our basement no less than 3 times in the last month) & a nail in the tire of hubby's car, it's not exactly been the frugal month I was hoping for

But good for everyone else!!!!!

This is just a small set back this month! Hopefully things get better for you next month Normally, when I have a plan, there are multiple stebacks that happen (like the nail in the tire!!)

 

[danielle79]

Well I'm not doing as well as everyone else. Between a pump that needed replacing (after having water in our basement no less than 3 times in the last month) & a nail in the tire of hubby's car, it's not exactly been the frugal month I was hoping for

But good for everyone else!!!!!

Don't worry, February has not really been a great month for me either, I blame the shorter month with less opportunity to work! We haven't had any set backs really, just not enough shifts at work to get ahead this month. My daughter needed some new jeans so that was a small shopping trip, I wasn't expecting! Next month will be better, I just know it!!!!!

 

[gracie1]

Don't worry, February has not really been a great month for me either, I blame the shorter month with less opportunity to work! We haven't had any set backs really, just not enough shifts at work to get ahead this month. My daughter needed some new jeans so that was a small shopping trip, I wasn't expecting! Next month will be better, I just know it!!!!!

It's surprising how just 3 days less in a month can cause such a differnece in budgeting, especially with the unexpected surprises!

 

[dmiller64152]

I'm on the other side. Only get paid once a month so not having three days of expenses this month means I didn't have to stretch the budget ad much.

 

[danielle79]

It definately makes a difference to me, I work as a server and if I have 3 less shifts, that a big deal to my finances! Looking for a little help on buying a fitted sheet, so I am a little bit of a snob with sheets, I like high thread count, pima cotton. I don't get new ones very often but my fitted sheet has a few rips and I need a new one. I really don't need pillow cases or the top sheet, just a nice high thread count fitted sheet. My husband bought our last set of sheets at Tuesday Morning and I love them, but they don't seem to sell just a fitted sheet, do I have to buy a set? Any favorites from anyone out there? Please don't judge my expensive taste in sheets, I drive a 11 year old van and buy my jeans at goodwill, but I really like to lay on nice sheets!

 

[clintswifeymomof4]

Danielle- Have you looked on Ebay for just a fitted sheet? Sometimes people sell parts of a set, etc and you may can find a nice one there (new).

Well I hit up Sam's and WallyBallz yesterday and that ended up being a $500 trip. Ugg! My grocery bill is out of control because I have 5 kids and we had 4 friends spend the night this weekend. They ate up all my snacks!

I did buy 4 whole chickens and a hand held Foodsaver. I roasted the chickens and broke them down and am freezing the meat. I'm hoping this will help curb the eating out bill and will be a money saver. I was SO tempted to charge that grocery bill but I DIDN'T! Right out of the checking account... ouch! Luckily we get paid on Thursday!

My income tax refund should be here Friday! Woo hoo! Can't wait to pay off some more debt! And buy our Disney tix for April... lol. Sorry but we are still taking our vacay this year- but on cash this time!!!

 

[jenny105]

Have you all seen this? I saw this on another thread. I'm going to try it and see how well I do. Seems like it's easier to do it in reserve though. I don't have that much money to spare around the holidays!

http://www.allthingsmw.com/wp-content/uploads/2013/01/181349_461151583932671_623138689_n.jpeg

 

[gracie1]

It definately makes a difference to me, I work as a server and if I have 3 less shifts, that a big deal to my finances! Looking for a little help on buying a fitted sheet, so I am a little bit of a snob with sheets, I like high thread count, pima cotton. I don't get new ones very often but my fitted sheet has a few rips and I need a new one. I really don't need pillow cases or the top sheet, just a nice high thread count fitted sheet. My husband bought our last set of sheets at Tuesday Morning and I love them, but they don't seem to sell just a fitted sheet, do I have to buy a set? Any favorites from anyone out there? Please don't judge my expensive taste in sheets, I drive a 11 year old van and buy my jeans at goodwill, but I really like to lay on nice sheets!

I know this doesn't help you out right now, but on Black Friday they had 700 thread ct sheets at Walmart for $20! It was an awesome deal. Everyone was lined up for it

 

[vegasnative]

Have you all seen this? I saw this on another thread. I'm going to try it and see how well I do. Seems like it's easier to do it in reserve though. I don't have that much money to spare around the holidays!

http://www.allthingsmw.com/wp-content/uploads/2013/01/181349_461151583932671_623138689_n.jpeg

I think someone on here mentioned their husband just started doing it? Not sure, but I remember adding it all up to see what one could save by doing this. Thanks for the chart. This is a good idea if people want to save some cash for a vacay or maybe an extra house payment each year.

 

[clintswifeymomof4]

Have you all seen this? I saw this on another thread. I'm going to try it and see how well I do. Seems like it's easier to do it in reserve though. I don't have that much money to spare around the holidays!

http://www.allthingsmw.com/wp-content/uploads/2013/01/181349_461151583932671_623138689_n.jpeg

This is what I'm doing. I transfer a set $75 to my Christmas fund and then do the 52 week challenge... plus any "extra" money from rebates, etc. I just deposited my big fat check from ebates. Any substantial paycheck extra income goes to our regular savings and not my Christmas account.

There is another variation of this as well. Instead of doing $1 for week 1, etc... you basically put $1-$52 on a chart and mark off one each week (whichever is closest to what you can spare. Right now I am better able to spare $50 a week then I will be closer to Christmas... so I may switch over to this plan or even do it in reverse.

 

[jenny105]

I think someone on here mentioned their husband just started doing it? Not sure, but I remember adding it all up to see what one could save by doing this. Thanks for the chart. This is a good idea if people want to save some cash for a vacay or maybe an extra house payment each year.

This is what I'm using it for. Thought it's a big no no to DR!

This is what I'm doing. I transfer a set $75 to my Christmas fund and then do the 52 week challenge... plus any "extra" money from rebates, etc. I just deposited my big fat check from ebates. Any substantial paycheck extra income goes to our regular savings and not my Christmas account.

There is another variation of this as well. Instead of doing $1 for week 1, etc... you basically put $1-$52 on a chart and mark off one each week (whichever is closest to what you can spare. Right now I am better able to spare $50 a week then I will be closer to Christmas... so I may switch over to this plan or even do it in reverse.

I transfer $50 a week from my pay to my emergency fund. Anything leftover from a paycheck or if I get a higher paycheck than usual gets split between my savings & debt.

I've been saving week by week so far but I'm going to use the jump around method when I can. I printed out the chart and cross each week off when a deposit is made.