Tuesday, January 31, 2012

Very little progress lately....

Things are just going along, not a whole lot of progress in any direction good, bad or indifferent. Feels like I'm sort of stuck in the same place just waiting for my next payday so I can pay off some more stuff. We're working really hard on not spending too much money and trying to be as frugal as possible. Eating meals at home and cooking from scratch, taking our lunch, reducing our utilities, etc. The BF's birthday is later this week and I'm waiting until that day to go buy his present, that way I can wait until payday and not have to use the credit card, which I'm doing my absolute best to try avoiding right now. Looks like this is going to be a fairly frugal week, not much going out, all bills are paid up and just kind of going through the motions right now.

I hope everyone has had a wonderful January, can you believe the first month of the year is going be behind us already? My my how time flies...

Current debt: $243,479.01 (YUCK!!)

Monday, January 23, 2012

Very little spent this weekend...

We had another mellow, small spending weekend. BF works on Saturdays, so Friday nights we don't do much but go to the clubhouse at our condo for cocktail hour. Saturday I was down all day with a horrendous headache and didn't go anywhere. Not exactly the nicest way to NOT spend money, but a no spend day it was and I'll take it. Sunday we went to try out a new church and we did stop at Starbucks for a treat, we usually buy a latte once a week, so it's a splurge for us and probably one we could do without, but we really enjoy it and since we don't get too crazy with spending, we feel it's OK. We rarely even go out to eat, so this is our big splurge each week. After church we went to do a little grocery shopping and while we were hungry and probably bought more than we normally would have, we didn't go overboard with junk food and kept it to stuff to make lunches and dinners, so we're set for most of the week now. After that we went home, had lunch and watched a couple of movies that we had borrowed from my parents and had a nice relaxing day. :)

What did you do this weekend? Did spend a little or a lot? Any unnecessary spending?

Current debt: $242,805.55

Wednesday, January 18, 2012

Day 4 of no spending...

We've been getting hit really hard with snow this week which is not something we are prepared for around here. Thankfully I've been able to get to work everyday, loving my new Volvo, it's been great! Most businesses are closed today, so at work it's been very quiet, not too many phone calls and I'm getting a lot done, yay! The BF and I have been making a conscious effort to not spend money needlessly and we've been doing a really good job of eating from our existing stock of food and getting a little creative when don't have everything we want for a full meal. I love that we are having so many days without spending and really enjoying it. The other night we even turned off the TV (saving money on electricity) and had a great time playing Yahtzee! I've been 3 full weeks now without any Excedrin and I'm feeling great. I think I'm past the withdrawal headaches that I was having and am feeling pretty good. Now I need to get my butt back in to exercising and working out, I know I will feel so much better once I do. I've also been making myself drink water in between every diet Coke and this is helping me feel better along with saving money. I'm not ready to give up my diet Coke habit altogether, but these small steps are at least in the right direction.

Hope you are all having a great week!

Current debt: $242,805.55 (feels like I'm stuck at this number, but I know it will move again soon!)

Monday, January 16, 2012

Frugal weekend...

So, we had a great, fun filled weekend, but didn't spend much money at all! Yay! Friday night I went to the clubhouse at my condo where they have a weekly cocktail party. Everyone brings what they want to drink and a snack to share. Very fun, low cost and it was nice to know that after drinking, I just had to walk upstairs to my home. Saturday, I did a little grocery shopping early and scored some great bargains in the markdowns. I spent the rest of the day at home while BF worked, then my brother and sister in law brought their kids down to spend the night. We stayed home and made caramel corn and watched a movie, then woke up to snow on Sunday morning. After making a big breakfast and filling our bellies, we went for a walk in the snow, it was beautiful and we burned off some of that breakfast having a snowball fight. Very fun!

After taking the kids home, BF and I came home and watched some football and a movie we got for Christmas. Lounged around the rest of the evening and enjoyed relaxing and the quiet of the kids being gone. HA! I love those kids, don't get me wrong, but my goodness they can be loud. :)

We watched Extreme Cheapskates last night which was quite entertaining, not to mention troubling. Some of these people are WAY over the top in their efforts to save money, but there were also some really great thoughts shared as well. While I'm not willing to ask people in restaurants if I can have their leftovers or resort to recycling toilet paper, I like the idea of a weekly fiscal fast every few months to use up what we have on hand and save some money. I'll watch the show again, if for no other reason than to glean a few good money saving ideas and to be disturbed by the doings of some people out there.

Current debt: $242,805.55

Thursday, January 12, 2012

Just going through the motions....

It's been a long week! BF and I are arguing, about what you ask? Money! He has quite a bit of debt from his divorce, I have some from mine as well, but not as much, my main debt is my car and my mortgage and I'm passed that living paycheck to paycheck, but he's not. He seems to be OK with that and the occasional bouncing of a check, I'm not OK with that and I'm having a hard time dealing with his nonchalance with money. I've worked really hard to get where I am and to have the credit score that I do and I'm not sure I want to move forward with a life with him if he's not willing to put in the hard work to get things paid off and be debt free. It also does not seem to bother him that he's still listed on the mortgage of the house that his wife was awarded in their divorce. She's in no rush to refinance and he doesn't see an issue with that. He's currently working on getting his bills paid on time, but doesn't want to listen to my advise. I have a credit score over 800 and have never paid a bill late, recently had no problem getting a $26,000 loan for my car, I was approved in less than 10 minutes, yet he seems to think he's got it all figured out. I'm hoping that we can sit down this weekend and go through all of his bills and plot out a plan, not only to get him paying them on time, but paying them off. He says that's what he wants, but I think it might just be lip service. Wish me luck!

Current debt total: $242,805.55 (hoping for some survey money in this weekend to bring this down a bit more.)

Monday, January 9, 2012

Fairly frugal weekend...

I had a relatively non-spending weekend which was great! I've been fighting headaches my whole life and I just went on a new medicine that I wasn't sure how I would react to it, so I didn't plan much and I'm glad. I slept a lot!!! Not sure if this medicine will work or not, it takes some time for your body to adjust to it, so we'll see, but the nice thing about sleeping so much this past weekend is that while I'm sleeping, I can't spend money. :) The BF and I stayed home on Friday night as he has to work on Saturdays. Saturday I went to a baby shower, then came home and since he was on call, we didn't want to plan anything. Sunday we went out for breakfast and then out to my parents to visit for a bit, came home from there and watched football and a movie. Now, I'm back to work today and I'm really sleepy still. I think I may have to cut back on the meds a little bit and slowly build up, I can't function on work days like this. Not too much going on this week, should be a fairly inexpensive one.

Hope everyone had a great, fun, frugal weekend and is doing really well on their resolutions...

Current debt: $243,079.16 (darn interest brought this back up, grrr!)

Friday, January 6, 2012

Payday, oh how I love thee...

1st payday of the new year and all the payments to my various debts will start clicking away and reducing that huge number! This check also included a bonus of 2 extra days of pay which is really nice to help put a dent in the debt. I know some people think that you should use a bonus for something fun, but my feeling is that I must have already done the something fun, hence the debt! :) Car payment, credit card payment will both hit today and then I have a few smaller payments that will go next week. Yay!

I hope everyone has had a great first week of 2012 and is looking toward a happy, healthy and prosperous year ahead!

Have a great weekend and may it be a frugal one as well!

Current debt: $242,869.16

Wednesday, January 4, 2012

Getting it paid down....

So, I just received notification of what my first paycheck will look like this year and I'm excited to say that I'll be able to make several payments on my outstanding debt and work toward building up the savings account a bit too. I'll be making a $450 payment on my car, although the payment dues is only $398. $472 is going to the credit card, paying insurance of $132.52 and association dues for my condo, these are $223. This still will leave me with plenty of cash to get through the next 2 weeks until payday again. I'm waiting for a credit on my credit card for something I sent back, I received it too late for Christmas and didn't open it, just put return to sender and shipped it back. Frustrating, but luckily I found it at a better price locally and had it in time.

How are you all doing on the spending this new year? Are you keeping all of your expenses in check?

Current debt: $243,256.26 (going to look much better by the end of the week!)

Tuesday, January 3, 2012

1st working day of the year...

Wow! What a fun, relaxing and relatively inexpensive holiday weekend. We did go out to dinner on Friday night, but that was with a gift certificate, so the total cost was ZERO!! Yay! Saturday was a nice lazy day until it was time to go to the NYE party at my brother's house. I made caramel corn and peanut butter cup bars, both of which I had ALL of the ingredients for already and didn't spend anything to make. Had a great time with family and friends at the party and came home on Sunday morning (we always spend the night, no reason to drive!) Sunday was an even more relaxing day than Saturday was and again we didn't do anything! I love days like that. We stayed home all day and watched football and movies, again a total spend free day! I like the start of this year so far! :) Monday we decided to go out and get some fresh air and go for a walk. We had to go to the gas station, ouch!, that was $67.00, but thankfully for me that will last about 3 weeks or a little more if I'm good about running errands in a thoughtful manner. Then we went to Starbucks and I added $25 to my prepaid card, but that will last me several weeks as this is now only a once a week treat for me. When we returned home I made dinner with ingredients we had on hand and it was delicious! Brought leftovers for lunch today and so far today, I've spent no money. We're going grocery shopping tonight, but it's BF's turn to buy the groceries, so it's going to be another no spend day for me!! AWESOME!

And I have about $40 coming in from surveys completed in late December, which will go straight to debt reduction. YAY!!

Current debt: $243,256.26 (looking forward to some payments hitting later this week!)