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Need Help...Anybody Remember?

December 15th, 2011 at 03:02 pm

Hey guys, there's a friend I'm wanting to help. I used this tool and now want to pass it on. I'm wanting to find a guy on here who had some nice grids that were used to help you pay things off early. He had one shaped like a house and one shaped like a car. You gave each gridblock a dollar amount towards the total owed and then colored in each block when you paid that portion down. A visual aid to help you pay down your debts. Anybody remember who I'm talking about? Or do you have a copy of those aids?

I was reminded yesterday and have started it up again...of a little trick I used to play with myself. Yesterday I drove an hour out of town to a funeral. On the way there I did use the turnpike to the tune of about $2.50. I decided I would come home the other way and save the change. I also was planning to stop at MickeyD's and buy myself a smoothie for breakfast - I had already had a banana. I sailed on past the exit and saved myself $2.32. I ALWAYS stop at my favorite restaraunt in this town to buy myself some of the best hot dogs to be had for lunch. Didn't do it - had half a pimento cheese sandwich at Dad's house. Saved myself about $4.00. So when I got home I rounded up those savings and came home and sent $10 online to my Roth. Not a big savings day, and not a total No Spend day but over time these are the things that can help you add up to a comfortable retirement. Here's to saving!!!

Somebody asked the other day about CashHappy & FrugalSon. They are both at home (disabled) and doing well as of the moment. CashHappy dug himself a deep debt hole while gone from home that we are slowly digging him out from. Of note for FrugalSon is that because of new BUSY traffic location he won't be able to drive from here to a job. So, we sold his little vehicle and moved those dollars into his ROTH as he only worked half a year this year and that just covered that half year income plus a little bit more that we just moved to regular savings. He's a happy camper and not as upset by this necessity as many guys his age would be. Both will be looking for new jobs after the Christmas holiday is over. Guess who'll be back to playing taxi-mom?

Anybody have a link to that guy's blog mentioned above????? Thanks bunches.

~LuxLivingFrugalis

Today's Five Plus

November 28th, 2009 at 03:41 pm

DONE-1)Shower, Dressed, Makeup, Breakfast & Vitamins.

DONE-2)House checking & Money Markets checkbooks balanced.

DONE-3)Stop an old autodraft before 1st.

DONE-4)Add new autodraft that will cover auto insurance, house insurance and house repairs their monthly pro-rated amount that we set back. To-do's numbers three & four are the result of insurance shopping that Hubster took care of for us - nice savings included! It paid for us to shop around - our new insurer is AAA. Twice the coverage and about $500 a year less cost! I'll take it! Auto insurance was due for renewal 11/30 so that's all spent, but there should be about a half of a year refund coming in on the house insur.! Old Agent - Send it!! Big Grin

DONE-5)Set up CC payments for Dec - 56.14 & 23.15 balances on two cards. We never carry a balance any more. EVER. 69 days TOTALLY DEBT-FREE and counting!

DONE-6)Paperwork filing.

DONE-7)Recharge camera batteries.

DONE-8)New entry here showing my spare bedroom BEFORE & AFTER pics. After repainting the bed and investing in different bed-linens.

DONE-9)Clean out purse.

DONE-10)Sketch out painting idea for Jeffrey's Penny Experiment.

Text is http://www.pennyexperiment.com and Link is
http://www.pennyexperiment.com

DONE-11)Get old comforter & shams listed on Craigslist.

12)I've been eyeing the closet in the spare bedroom. The clothes/shoes/stored items all need to come out and the walls & shelves in there need a coat of paint. Actually while doing that I need to 'encourage' Hubster to help me change the way the shelving is in there to add some more up top storage - we now have a LOT of wasted space. There is probably wood in the attic that could be used to add some more simple storage shelving. He's not up yet - he'll be thrilled with this idea - NOT!!!

The reason I want to get into this closet is there is a bunch of his parents' stuff that needs going thru and either shared with siblings or gotten rid of. So far, it's just THERE, overlooked and neglected, as it will stay unless I press the issue.

This is their jewelry, his Dad's coin collection, and family photos. I feel bad - he has two sisters who could be enjoying some of their Mom's jewelry. The coins and Pop's jewelry could possibly be worth something as well, and they could all probably use a small cash influx right about now, and the family photos ought to be shared.

13)Work on FrugalSon's & my personal (not House) budgets for 2010.

Okay - that's today's direction. Here we go!

---

Yesterday was a No Spend Day for the housebudget. Well, it was no-spend if you don't count that we popped off and invested in ING's 2% CDs yesterday. I don't consider that 'spent'. AND, while I had planned to pay yesterday for the meal out w/family, you can't beat my Dad to any restaraunt and pay first. He's a sweet little pain-in-d'patumpkus that way!

The whole way there I was encouraging Hubster to speed up or he'd beat us there and have already fixed it up with the cashier. Sure enough, he was there first. If I'd of been driving, we MIGHT have made it there early enough, but Hubster drives like your Great-Grandma on a handful of downers! I have to read in the car or go further C.R.A.Z.I.E.R. than I already am!



Found out yesterday that Dad will likely be having cataract surgery within the next month or so. If it's on a Friday, sister will drive him. Any other day of the week, I'm his chauffeur, and I'll need to budget gas money for that. Glad to do it - he often takes long driving trips to make his living/playing, it's worrisome enough for my 78 year old Dad to be out driving cross-country, so at the very least I need for him to be seeing well! He doesn't have to keep working, but does like a mad-man. He's a very hard worker.

Steaming Past A Thousand! HIPPI-YIPPIE-YAH!

November 22nd, 2009 at 03:06 pm



Steaming Past A Thousand! HIPPI-YIPPIE-YAH!

2006 Challenge $126.11 started late Aug
2007 Challenge $402.50
2008 Challenge $525.15
2009 Challenge +$1005.95 Nov YTD
------------------------
Cumulative Total $2059.71

This will be the first year I've been able to put back over $1,000.00 for the year in the $20 Challenge category! A goal has been reached. Perhaps next year I can get to $1500 or more. Watch out Ima Saver I'm picking up steam! Big Grin


$0005.53 Nov balance
+0007.07 Steam booster additive
________
$0012.60 Nov MTD

2009 Challenge Total $1005.95
Cumulative Challenge Total $2059.71

Yesterday was a No-Spend-Day for me.

Updating $20 Challenge

November 18th, 2009 at 07:31 pm



$000.10 Nov balance
+005.43 addition
_______
$005.53 Nov MTD

2009 Challenge Total $998.88
Cumulative Challenge Total $2052.64

MY $20 Challenge is to earn / save / find an extra $20 per month or MORE to put into my Roth IRA.

Today was a No-Spend Day!

The Emperor Will Have No New...

November 7th, 2009 at 11:16 pm

The Emperor will have no new clothes. At least not for awhile. Up to my eyeballs in calculator tape revamping the Frugalis Family housebudget. Better hope Santa puts clothes on the list for those here who need them as there is no room at the inn for new clothing. Being up in the air over the possibility of healthcare coverage for Hubster sees me throwing all extra dollars into the Medical category until we find out exactly what kind of coverage we'll be able to get.



Nope, not Hubster, he has better knees.

Today has been a No Spend Day.

Yes, we paid off the house, but those dollars are going into future house repairs or updates. For now.

His Inner Sanctum Violated

November 2nd, 2009 at 03:06 pm

Yesterday was spent working on a really detailed networth statement and cooking a fabulous Sunday dinner.

On the norm I just catch the various bank accounts & retirement funds, but yesterday went to zillow & edmunds and did a more in-depth look at where we are at starting Hubster's official "Golden Years" with ALL of our assets! Not too shabby. Could of been a lot better, but for us, it's looking better than expected and Hubster was quite pleased with the "If We Cashed in All of Our Chips" numbers. I am too!

One of the things I'd been forgetting to put into our networth calculations is our burial plots. Ours are paid for already but we might end up selling & replacing them in a different location. Depends on if we decide to downsize and where.

Today I've got a To-Do list that far outnumbers five - there are 45 things on my list! Boy, am I behind!!

The majors today will be:

{x}2/3rds - filler now drying - 1)Filler on twin bed veneer. It's outside and up on the working platform.

[X]DONE w/a snafu - 2)Buy paint for above project. - Got the paint, started on back side of headboard. More gray looking than the deep black. I tried to tell the guy in the store that it didn't look right - he was filling in from electronics - but he insisted that it was right based on how dark it looked when dry. It did look dark, but I've got to go back tomorrow now as it just looks like a funky gray on the bed. POOODLES & FARTZWAZZLES!!

[X]DONE - 3)Mail off tube.

[X]DONE - 4)Content placed on my other blog.

[X]DONE - 5)Write & mail off sympathy note to friend's family. Long time ill, she passed away this weekend.

6)Get those newly figured out categories into YouNeedABudget software. I upgraded my software this weekend and we're going to be starting a fresh new budget this month with some newly aligned goals and taking into consideration the different income sources we're firing up. Keeping spending in a tight line will be KEY!! A fine balancing act, if you will. Of course we want to put off withdrawing from our retirement accounts as long as possible.



[X]DONE - 7)Get these entries up on Saving Advice!

Yesterday was a No-Spend Day.

I have a dime on my keyboard to start off November's $20 Challenge.

$20 CHALLENGE

$000.00 beginning balance
+000.10 laundress pay
_______
$000.10 Nov MTD

2009 Challenge Total $993.45
Cumulative Challenge Total $2047.21

Sicily's baking inspired me and I grabbed out my sourdough starter yesterday and made some fantastic sourdough rolls and I also made a chocolate pie. My fellows thank you Sicily!

While I'm out today I'll be making a bank run and depositing October's $20 Challenge Money. Yes, Pigger squealed again when I violated his inner sanctum!

And, speaking of inner sanctums, remind me to tell ya'll later, but Hubster has a stalker - one of his old fellow employees now hopped up on meth!

Where's the Orange Paint?

October 25th, 2009 at 09:03 pm

...it's down there.

YEP, you know where.

(cue spooky music)


Well, it's got to be dug out SOME TIME so I can paint the spot where the smoke alarm used to set. Some wacko man type personage must of installed it in this weird space between rooms. It was there when we moved in. Along with the thermostat that now sits hidden behind the big picture there. Who puts a thermostat smack dab in the middle of a wall? A man, I'm telling ya!!

This new trim installation in the dining/foyer area gave us the opportunity to fix this area into two different paintable spaces. As it was, whatever color was painted on that one wall in the living room had to tie all the way over into the foyer AND dining room area.

before:




after:



This way if a person wants to they can paint those two wall spaces a different color, and I'm likely to change the orange wall in the foyer area (to the right) later to the same yellow that's already in the dining area and on the other side of the foyer.



The trim in the dining room had to be thin to fit over the door AND go all the way down that long skinny little part that divides the addition of the dining room from the older portion of the house.

Okay - Who's ready to go d.o.w.n. **THERE** again and dig out the orange paint?

Not me.

Not today anyway. Perhaps some time next week I'll get my bravado up and venture into the basement again.

And, then Hubster can reinstall the smoke alarm ?elsewhere?, I'll finish painting the ceiling in the dining room and we can then consider this little chapter closed for now. Oh yeah, the new paint on the ceiling trim? Makes the rest of the trim in the room look like crap! Big Grin Always something, huh?

I love my orange wall. It's very warming at night in the rest of my cave (living room) with the lamps on. I realize it's not for everyone and will most likely have to be changed back to boring bland if we list our house for sale in the future. But for now, it makes me smile.

All except for that little white circle!

Orange paint - On next week's to do list.

Living Room
Before:

Do not adjust your screen, those WERE wavy lines you see at the ceiling line!

After:

Free boards in the attic, some paint, a lot of cussin' & discussin', and a couple of tubes of caulk later? Ta-da. Then you saw it - now you don't!