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Archive for August, 2006

August's $20 Challenge Met & Renewed

August 31st, 2006 at 06:56 pm

August's $20 Challenge Met & Renewed


I met my August $20.00 Challenge which was to attempt to save/find/earn at least an additional $20.00 or more each month to apply to my mortgage pay down efforts.

I was able to come up with $22.05 that I am adding to my mortgage payment.

353.96 normal payment
+16.04 extra principal budgeted 4 prepay
______
370.00
+22.05 August $20 Challenge
______
392.05 Payment to Mortgage Company scheduled for tomorrow

When payment is credited tomorrow I'll update the new mortgage balance.

Beginning Mtg. $24,882.58 8/23/06
Cur Mtg.Balance=$24,630.49 9/1/06

Renewing the $20.00 Challenge for myself for September!

Wish me luck!


Tooling On Down to the Mailbox

August 31st, 2006 at 06:02 pm

Tooling On Down to the Mailbox

So, I was tooling on down to the mailbox which for some goofy reason sits on the street to the side of my house instead of in front of my house and when I get there what did I find that made it worth my while to take a hike?

A refund from a train trip that didn't pan out in July! $175.00 smackos!!



I think instead of putting it back in my short term savings account (my own personal project fund) that I'm gonna haul it on over to the Gift fund which is looking kinda thin after the six (6) count them I said six August birthdays!!

Three of those birthdays which called for a specially cooked meal with of course the most expensive of all my recipes requested for their special Birthday Dinner. Three Birthday Dinners, Six Gifts, and Six Birthday Cakes! I am so not eating any cake for at least another 2 months!!

So not only did the Gift fund get a heavy hit, so did the Grocery fund. Anyway, Christmas is creeping nearer so off to the Gift fund it goes!

Ca-Ching! 175.00!! I feel so much better as the projected budgets for the rest of the year were looking pale pale pale in the Gift sector! YEAH REFUND!!

Happier Holidays Ahead!

Now if I could just get the post office to move my mailbox to my street!! It's really goofy and throws all the delivery folks. My house faces one street, but my address is for the street on the side of my house. I get lost coming home myself!! Luckily my refund didn't!


Choose What You Want Most

August 31st, 2006 at 02:55 pm

Choose What You Want Most
Over What You Want Now

I told "Future" that I would post a copy of a slip of paper I carry in my wallet right where the dollarbills go. Here tis:



I made this up myself with a clipart of 'funnymunny'. Do not try to slip it past the clerk at Krogers. It won't work for that. But, it just might slow you down from an unplanned expenditure!

Feel free to copy it off and put it in your wallet. A gift from me, and...

Good luck!!

Let me know if it helps!!

Lint, Lint and More Lint!

August 30th, 2006 at 05:29 pm



Since I am down to the lint in the bottom of my pockets, you'll never guess what today was...

Oh, you guessed? Another NO SPEND DAY!!

HOORAAAAAAAAAAAAAAAAAAAAHHHH!!!!!!!

Jumbo Jumbo aka The Bologna Wars

August 29th, 2006 at 04:05 pm



Jumbo Jumbo aka The Bologna Wars

Okay who ate the last of the bologna and bread and didn't bother to tell me???? GRRRRRRRRRRR!!! Nor did you write it on the list???

Nothing like a hardworking husband trying to pack a lunch with no bread and no bologna at 6:30 a.m. saying sweetly, "Honey is there any bologna anywhere?".

Of course I was just at the grocery store yesterday picking up stuff for the last of the August birthday dinners and could have picked it up -- so back I trudge.

$.79 Loaf of bread
$.75 bologna on sale
____
1.54
.12 tax
____
1.66

Rounding up the total and writing a check for $2.00, leaving .34 to add to my $20 Challenge and try to catch up with Ima? PRICELESS!

I mean I MUST MUST MUST be compensated for feeling like a goof-ball writing a $2.00 check, can you imagine my chagrin if I'd of had to write one for 1.66. Couldn't be done!

$20 CHALLENGE
20.71 balance
+ .34 spoils of war
_____
21.05 balance forward

And yes, we managed to pack his lunch. Thank the Frugalista blood that runs thru my veins, you'll remember that poor hamsteak that I'd made into portions for 5 meals. Guess who got nice little ham steaks for lunch. Bread? We used the Hamburger Buns that were in the cabinet. Battle won. Now to the wars.

Can you people not see the grocery list on the refrigerator? Is it too much to ask that you PLEAAAAAAAAAAASE write down when you use the last of something?

!!!!!!!PLEASE PLEASE PLEASE!!!!!!!!!!


Slim Shady or Am I Just Paranoid?

August 29th, 2006 at 08:04 am

AM I JUST PARANOID?


"The cowboys have a way of trussing up a steer or a pugnacious bronco which fixes the brute so that it can neither move nor think. This is the hog-tie, and it is what Euclid did to geometry." ~Eric Bell, The Search for Truth


Okay long story.

The Hubster is eldest of five sibs. Their father passed away last year, The Hubster is the Executor on the estate.

One sister has a b-i-l who keeps trying to insert himself into the equation and it's starting to really aggravate me.

We were getting bids for painters and unsolicited he came up with his and it was the lowest and we did award the contract to him. The painting seems to be going fine.



NOW - he is wanting to sell the house for us at 3% commission. That might be more than okay if he was a licensed realtor but he isn't. The Hubster is not comfortable with this situation and the guy and Hubster's sister & husband keep trying to talk him out of getting with our attorney to verify the next needful thing. ARRRGGHHHH!!!

The attorney we have is the one of the most reputable people I know and I should know I was his legal secretary & office manager for years.

I hate it when someone tries to put their hand in your pocket!! The sales methods he uses and the paperwork he would execute might be perfectly legal and I'm not trying to impugne his reputation but by cracky no one 'official' asked ya!!

Ahhhhhhhgggghhhhh!!

I hate this - they call you at 10 o'clock at night and want an answer to something the next minute when you've no time to consider nor consult. The Hubster is feeling cornered (hog-tied if you will).

Keep trying to tell The Hubster you'd better be careful, because 1)it's true you don't want to insult your family and/but 2)you signed on to protect the interests of ALL of your siblings, not this outsider who keeps trying to squeeze in!!

Get out of our life SlimShady!

It would be entirely different if he politely offered his services, left his number and then went on about his business. This isn't how it is happening though!

So what if we call the attorney for a $45 phone call - if it saves ALL OF US loads of heartache later, it is worth it!

Anyway, The Hubster is calling the attorney this a.m. and knowing him he'll tell him the same thing I've been trying to tell him. There are times to cut corners and this isn't one of them!!

It Just Ain't Happening Sweet Pea!


What do yu'uns think?

Zippity Do Daw - Char Woman's Reward

August 28th, 2006 at 01:02 pm



ZIPPITY DO DAW

Well never let it be said that there are no benefits to doing char woman work! I was cleaning out a bottom dresser drawer when I heard a little jingle.

FOUND: 19.66 I had stuck back there in April in a ziplock baggie. Now why? Can't remember!! Probably going to take it to the bank but must of forgotten it before it ever got there! I love when this happens!



Keeper's Anonymous - Thanks Bookie for going first. My name is LuxLivingFrugalis. I'm a keeper too! I stick money back in interesting places. Hard times aren't going to catch me totally unprepared it seems. I am a Keeper! You're a Keeper Too!!

Yes, I do use ziplocks, but you can see that I put them to good use!!

$20 Challenge

$1.00 Balance
.05 from son who found it in his floor
_____
$1.05
19.66 ziplock Charwoman's Reward
_____
20.71 Balance Forward

WOO-LEE-WOO-LE-WOOOOO-HOOOOO!!!!!

So there --- August Challenge met and August $20 Challenge Conquered!!!

Keeper's Anonymous

August 28th, 2006 at 08:59 am

27 August 2006 - Sunday


(No Dollar image by Cliv Savage)

Sunday was another No Spend Day!! Big Grin!! Think we should start a Keeper's Anonymous??


Smile A Little Smile With Me

August 27th, 2006 at 12:20 pm

Oh Rosemarie!!!

Saturday the 26 day of August, in the year 2006 was a no spend day!!



These kind of days just make me happy dance.


Bring Ye!!! Bring Ye!!

August 27th, 2006 at 05:46 am

"Bring the whole tithe into the storehouse, so that there may be food in My house, and test Me now in this,’ says the LORD of hosts, ‘if I will not open for you the windows of heaven and pour out for you a blessing until it overflows. ‘Then I will rebuke the devourer for you, so that it will not destroy the fruits of the ground; nor will your vine in the field cast its grapes,’ says the LORD of hosts.” (Malachi 3:10, 11)

YEESSSSSSS - we happily do!

No, that's not us!





Allow Me To Introduce My Allowance!

August 27th, 2006 at 04:56 am

Sarah blogged on (which is nothing AT ALL like blabbing on) in my comment section under Bank Runs at 'Saturday Night & I Ain't Got No Money' saying that she also gave herself an allowance, but that it went for food, clothing, and gas. She wanted to know what mine covered.

My allowance used to work as hard as Sarah's, but not any more. I just have those items budgeted out elsewhere in either the family books or my own.



Nowdays, my allowance is just walking around money - gum, candy bar, pop, the weekly lunch splurge. This little drive thru lunch is my only vice at the moment but as a busy Mom it's the one thing I consistently do FOR ME and me alone. Even so, I've limited the amount for that to $2.50 and no more!

I do cover personal care items from the allowance at times - others not. Let's say makeup or vitamins. Sometimes those go in under the food budget when it's fat and happy and other times when I just want somethinnnnngggggggg (whine) and the money's not elsewhere I'll take it from my allowance.

Lots of times these days the budget doesn't allow much of anything for me to have an allowance even (OUCH!!), but we are in transition right now from one stream of income that is drying up and another stream beginning.

It'll pass.

Our two main priorities at the moment are investing for 1)The Hubster's retirement and 2)paying mortgage off early.

We could cut back on those ret. investments if we wanted to allow more blow money, but we need to make up for the pension that disappeared and IN A HURRY, so tight it shall remain for now.

We have little room for error and a small window of opportunity. Those with a longer time line can afford a small amount of elasticity that we can't.

I think Sarah's system works if you work it right.

I used to do it similarly. With one pot for so many items I'd often overspend on items such as food and gas and then would come up short in gifts and clothing which is the Big Four that I used to cover under allowance.

My gasoline budget is 'iffy' right now. Sometimes my truck stays parked for long periods of time. I am going places it's just that I tag along with the boys in one of their vehichles and on their gas dollars to get my little errands done. Wink

Some months there is more in the gas budget than others. Those gasoline prices really squeezed it for us recently.

The Hubster gets a larger allowance than me of $20 a week. This covers his blow money and ciggies. Working in an office he often needs the blow portion for the occasional office party, etc. His clothes, gasoline and lunches are covered elsewhere in the family budget.

This way smooths things out for me and it works for us. YMMV!


Saturday Night & I Ain't Got No Money

August 26th, 2006 at 08:32 am

Well at least that's what I'll happily be singing tonight anyways.

On Saturday mornings I make my bank run depositing anything leftover from my Allowance Money for the week. So in that pot there is 1.39! Inotherwords, I stayed under Spending/Allowance budget by 1.39 this week. YEAH ME!!



Next week's allowance is paid out by the banker (me) from money I got out in cash on the 1st of the month. Monday mornings I'll be starting fresh with 5.00 in my pocket to last the week for 'blow' money. $2.50 or less of that will likely go somewhere at a place where I'll unwrap my food in the drivethru for my splurge lunch. Not always but most weeks I do treat myself to a takeout lunch. Woo-hoo, big spender!!

Not everyone would be happy with this scenario because they like to carry cash and they like to go out shopping on Saturday. Or they like to let alot of money slip away unaccounted for. I don't. Any of those things. Sunday's money is always for tithe and it's written out of checkbook and if we have PLANNED and BUDGETED to eat out on Sunday then the money is either available in cash or w/a debit card.

But today's Bank Run Deposit is 1.39! Meaning 1.39 is going today to ING to be put out at hard labor earning me some buckos!!

YEAH BANK RUN!!

AUGUST BANK RUN TOTALS
3.34 last week
1.39 +
____
4.73 MONTHLY BANK RUN $'s to date
(I'll have to check later and see what amounts went earlier in the month pre-blog)

Putting 'Er Up On The Rack

August 26th, 2006 at 07:42 am

26 Aug 2006 -- Ohhhh yeah - I'm adding that .19 from CashHappySon's car repair fiasco the other day to my $20 Challenge money.

.81
.19+
____
1.00 Balance Forward

Advocating for your children really pays - huh? Maybe not in cash, but in the long run he'll learn to stand up for himself. Wish I'd taken a picture of the giant hole that mysteriously appeared in his oil pan.