Wednesday, August 12, 2009
Saturday, August 8, 2009
Thursday, August 6, 2009
Tonight everything gets priced, books 75 cents or 2/$1, movies $1 or $2 (gotta check with the other girl I'm doing this with to see what she has hers priced as), stuffed toys 25 cents for small ones up to $2 depending on their size etc...
Anyway I hope I do this right, sale starts tomorrow, ends on Sunday. I have to work on Sunday but my boyfriends sister will sell, sell, sell for all of us so it is ok.
Really, I'll be happy to get rid of some things and have some money. I hope to earn enough to buy our new comforter set.
Wednesday, August 5, 2009
Another single woman (and single mom too boot) Jen at Lifestyle of a Divorced Single Mom, she not only knows how to juggle one income but doing it with more than one kid. She knows the unexpectedness that can come up and the expected that does but you just don't have it to plan for. Not only that but Jen is one of the main reasons I realized I could really do this budgeting thing, she gave me a great spreadsheet that really is detailed and works. She has been doing great at her goal setting and holding herself accountable each month, again she inspired me so look for something new from me soon.
There is Brian (oh, yes a man who happens to be married even so far he has broken the mold on my shout outs), he is the author of Over 40 Overweight and In Debt, I think he's got a correlation there indeed. In fact, I haven't read it yet but Frugal Dad (another great PF blogger) just posted an article on being overweight and in debt. Brian has just gotten back to blogging again and I hope he stays around I always enjoyed that he is just real in his posts he doesn't putz around and make excuses we are both in the same boat here overweight and in debt, maybe with some blogger collaboration we can both attain our goals together. I'm so excited to read Frugal Dad's article today and hopefully Brian will see it too.
One of the more successful single moms in the PF blogosphere is Single Ma at Fabulous Financials. She really is an inspiration about being all you can be and striving for the best. While I can tell we don't have the same career interests we do have similar mind frames. When I see that she has gotten so far and worked hard but I can go back and read that she too made mistakes along the way I'm inspired. Like Jen at Lifestyle of a Divorced Single Mom, Single Ma is a great goal setter and a true inspiration. Single Ma is a the point I could be at if I had worked things differently, while I was in a feel sorry for myself phase about being a single, unwed, teen aged mom she was out working her goals for the future and it shows. In fact, her blog is ear marked and her about me section is shared with any new teen mom I come across.
There are so many that deserve a shout out but many of you probably already know about Trent at The Simple Dollar, Weakonomics, The New Frugal Mom, not to be confused with The Frugal Girl, Spilling Buckets, Smarty Pig, My Money Shrugged and many more you can see on my blog roll.
If you know of others not on my blog roll or in my shout outs I'd love to read them, many of the people I read daily are found through others blog rolls so I encourage all of you to update yours frequently. I plan on making it a periodic thing I do.
Monday, August 3, 2009
I first shop for the sale meats at the beginning of the month, I stop at Kroger and check for great deals on their 'Managers Specials' which is meat that needs to be sold that day or the next. Sometimes there is nothing but often times I find really good deals. One time I got two New York Strip steaks for $1.75, often times I find a flat flank type steak that is large enough to feed two of us for a normal dinner of steak and something with it or three of us for steak fajitas and walk out paying less than $4 for the steak. Next I go to Save-A-Lot and find the good deals on meats there. I stock my freezer usually for a few weeks to a month.
Next, I come home and I separate and put things away.
Within a week or so I check out the sales ads for Kroger and Meijer. I plan out meals based on the meat I have in the freezer and what is on sale and where. Usually one or the other store has better deals it varies. I plan out my shopping trip to one or the other store, I omit anything that I can get at Aldi's for cheaper based on the sales there.
By the third week we are running out of things that we get at Aldi's and it is time for the meals for items I need there. I again check Meijer and Kroger's sales ads just in case and decide Aldi's, Meijer, or Kroger and shop accordingly.
With this plan I end up spending somewhere between $40-$70/week not bad for someone that hasn't used coupons and is feeding 3 people breakfast, lunch, and dinner.
My next goal is to incorporate coupons. I hope to have a stock of staples we use most often by getting them as cheap as possible through sales AND coupons. With any luck I can take it a step further but for now to learn how to do this right I'll do it with our staples.
Since our local farmers markets are open finally I shop there too and get produce really cheap, there is a great one on my way home from work so it takes barely anytime to stop in every week or two.
Recently, I stuck to a fairly strict budget sort of like an envelope system. I didn't trust myself totally with an envelope system so I purchased a prepaid credit card and loaded my grocery money on there. If I had a true emergency that I had to redo my grocery budget I could but I kept it strictly for food, not even other things such as toiletries. It worked out really well and I think I'm ready to go to an envelope system now it really helped keep me in control knowing for a fact there was only so much there before it was gone. I may even make and document a grocery shopping diary.... who knows
I have to admit I'm not the best at following a list but I have been trying, making lists and remembering them is also an issue I'm working on.
Photo by: Amy.Arch
Disclaimer... if you did not make it in this blog post it isn't because I don't love reading your blog its just that its still early when I started this and the reason I'll be doing a part 2... not everyone will make it but eventually I'll likely have posted your blog at least once on mine because you all have made me think and ponder and evaluate... soon enough you'll write a post and I'll say oh yeah, how cool is that? And I'll want to shout it out to everyone who reads my blog. That's just who I am. Holy, run on sentence.... I'd fix it but if you know me personally you know I probably would have just spoken all that in one big ole run on sentence ha.
More to come on my earning extra cash and thoughts on it....
Sunday, August 2, 2009
Sunday, June 21, 2009
Hopefully, I'll get my receipts together to post from my last posting until now very soon... of course now may turn into Monday or Tuesday but I'm going to try and get them all up. I hope I have everything I spent, its yikes worthy though... at least I'm tracking and I can see where I'm spending too much.
This week is going to be one of those weeks that I don't catch a break at all. Its a shame too because this weekend was just as busy and I don't seem to have the time to be frugal about getting quick things together sot hat I'm not spending arms and legs on convenience foods. I'll get there though I will.
Tuesday, June 16, 2009
I got a 'free' lunch... it wasn't necessarily free as much as it was my boss and I sometimes take turns buying lunch and I treated last time so she treated this time. We are both on a budget crunch though so we decided to re-evaluate this and see about maybe taking turns bringing in lunch instead :) yay!!!
Spent $1.99 on celebratory ice cream. This was totally my fault too, my kiddo wanted ice cream after her game... I told her no that I didn't want to spend the money that I hadn't planned on. So she had her own money and asked if she bought herself it could we, I said okay. I should have resisted and let her have her ice cream but I didn't. Shame, shame...
Oh and can we just talk about $1.99 for a small ice cream cone (it had a dip flavor, cherry coating thing but still) what the heck? This is going to make me sound old but I remember when.... (oh never mind lol).
Hopefully, now that I had to post my shame in totally impulse spending I will resist next time. Plus that would be a great example for my daughter if I resisted.... this time that sweet, cool, sugary goodness it just called and called and I caved. Blah!
Monday, June 15, 2009
My car seems to be going through a lot of gas lately, so I'm going to fill up completely as soon as my missing paycheck arrives and watch the mileage and see if it is because I'm driving more than usual or if something needs to be checked out. I had a tune up a year ago so I don't think its that but one never knows.
Saturday, June 13, 2009
Almost a no spend day hrmph... tomorrow won't be a no spend day either I have to get gas and a couple of things. Hopefully, I have one soon.
Friday, June 12, 2009
I almost had a no spend day until I got the call to meet her and the ambulance at the hospital.
All is well though she just over exerted herself cleaning out and moving her classroom it was our hottest day this year so far I think and her school has no air she wasn't breathing well. She is now home and recovering.
I also spent $16.28 on various things one of them being terrible coffee from McDonald's blech... I though I'd save a bit and buy it there instead of someplace like Panera Bread since I was also out of coffee and creamer at home. Such a waste because I threw it out. I rarely buy coffee out but when I do I won't be buying the new McCafe anymore.
I need to find a way to save on the convenience foods. My kiddo is only allowed to use the microwave when I'm not home, she is highly unlikely to heat up left overs. Perhaps making homemade pizzas together then cooking them and cutting them up into individual portions she will be more likely to do that. She loves French Bread pizza they are expensive... I'm going to work on a way to figure out how to make this much cheaper. I'm not good at making breads anything that includes yeast comes out as a big FAIL for me. She may occasionally make herself a sandwich but she is tired of them after the school year. Hot dogs are something she can do in the microwave, chicken tenders, those taquitos she loves those.... then I am at a loss. She isn't a soup eater, which would be easy, she eats it when I make it and tell her she has to but if I'm not there she isn't likely to eat at all unless I give her options that she really likes a lot. Tween parenting isn't always fun ha!
Wednesday, June 10, 2009
Spent $12.63 on lunch, now before you flog me... I work in an airport and I don't have much choice in how much things cost there. I had nothing to bring not even a can of soup. Shopping is a definite must tomorrow (as today started my weekend for this week).
Spent $7.35 on ice cream at DQ to celebrate my daughters first win in softball, she stole home plate after stealing 3rd at the same time. This was planned out for her first win though so I'm not sure I should count it but I will.
Total spent: $19.98
I swear this isn't how I normally spend every day but I didn't go grocery shopping last week due to being so busy I could barely have time to shower and sleep let alone go to the grocery store. This was all unexpected busy stuff so I couldn't plan ahead.
Next week will be a more accurate description of what I am spending but I wanted to start this now to be accountable. For instance it is already working some, I almost ordered pizza last night but knew I had to report here so I ate a sandwich and ramen noodles instead :)
Tuesday, June 9, 2009
I will be grocery shopping this week and need to find quick things for nights like this. I leave the house at 4:30 am and last night I wasn't home again until 9:30 pm.
Monday, June 8, 2009
I tried to make things simple 3 accounts
Checking for bills
Checking for spending/necessities (grocery shopping, gas, some variable bills)
I didn't do so hot, but I got back on the horse and tried again, only I did it again.
With that said. I'm keeping 2 accounts the savings/overdraft protection account and one checking account. I'm getting rid of the debit cards (although for the bill paying account I will keep the number to pay over the phone if I need to, just not the card). The other account I'm getting rid of and I'm going to a cash/envelope system.
I'm also going to start tracking my spending here on the blog.
I'm not sure where I am going wrong. I tracked my spending before and I was surprised with how much money I was spending in places like the gas station buying 'extras' and the likes.
I know one thing is I don't have a set grocery budget, I'm not quite sure how to create one... I just buy some weeks only what we really need to get by and some weeks when sales are great and I actually have the cash I stock up on expensive items. I know this is one of my big budget busters so maybe if I just buckle down with a cash only system I can get this done and get on a good track.
I'm really trying not to get frustrated or down about this, in the past by now I'd have totally given up. I'm going to keep getting back on this PF horse and keep riding hoping I fall less and less as time goes by.
I'm also toying with getting rid of everything but the savings and getting money orders each week when I get paid for bills then putting those together to mail off payment.
Wednesday, June 3, 2009
Sunday, May 24, 2009
My mother is having health issues, last night it required me to call her an ambulance and rush over there.
My daughter is at the end of the school year and just began softball season with our community as well. So it has us pretty busy. Every night last week and every night this week she has someplace she has to be. Being mom, I am the taxi driver. All of this and still there is homework, and practicing her instrument and softball.
With all of that said I'm going to at least try to get one or two posts up a week until things calm down. I'm not going anywhere I need this for me and to stay on track.
Any ideas for frugal and quick dinner ideas are welcomed, also ideas for things for the car that we can make and run with would be great.
Sorry I will be scarce hopefully things ease up a bit and I can come back here and post a lot more and participate much more too very soon.
Wednesday, May 20, 2009
Tuesday, May 19, 2009
Monday, May 18, 2009
Friday, May 15, 2009
Wednesday, May 13, 2009
Tuesday, May 12, 2009
Wednesday, May 6, 2009
I have realized though it is usually 1 character too long without spaces to fit as a user name in most places.
I would love to get suggestions on name abbreviations or whatever you have. I would love to tie in my blog to my user name at these places. On twitter I just used fiscalfussbudge but that kind of stinks don't you think? I'd like to change it there too, when the time comes I'll have to find out how to do that.
What suggestions do you have?
Should I just stick with fiscalfussbudge?
Ha, I guess this is another Wednesday WWYD huh?
Tuesday, May 5, 2009
Sunday, April 26, 2009
Wednesday, April 22, 2009
Monday, April 20, 2009
Friday, April 17, 2009
Wednesday, April 15, 2009
Since today is tax day our WWYD is tax related.
I'll put a spin onto it, lets first discuss what we are doing with our refunds. Mine goes right back to the IRS to pay back taxes... I know, I know but at least I'm getting it paid off. What are you doing with yours?
Also here is a link for Tax Day freebies, let us know if you utilize any of them. Look at the link there are also links within with tax tips and tax information for all of us but mostly for you last minuet folks.
So now for the WWYD:
You've gotten your refund you have several places you can allocate it to:
- Your Emergency fund which is almost non-existent but you are plugging away on
- Spending on a much wanted and useful item you've been trying to save for
- Much needed car repairs
- Paying off a credit card
- A vacation you couldn't afford otherwise
So, WWYD? Tell us why. I tried to think of different possible scenarios that cover someone just starting out in the healthy financial journey because that is where I am at and I believe many people are hurting right now so that can help those people too. If you have other things to add please do add them.
Tuesday, April 14, 2009
Monday, April 13, 2009
I have had a crazy week. I'll be sure to post more this week. My WWYD Wednesday posting didn't go up this past week because I was in a minor accident on the way home from work that day. Actually my whole week was like that. I'm okay no worries.
So this week I promise to be better.
Monday, April 6, 2009
Friday, April 3, 2009
Wednesday, April 1, 2009
Buying items to winterize next year -
- programmable thermostat
- plastic for door wall and windows
- heavy drapes
- outlet covers
I will not have another year of this super high Gas bills.
Actually both utilities are on the same bill.
I don't have a water bill per say... it is part of my rent. However, the landlord has a water bill and he has been letting us all know how high it is and encouraging us to help keep it down. I know helping to keep it down will also help to keep my rent down.
Renting brings me to another point, since he doesn't have to pay the gas bill he doesn't care that the furnaces are old or the windows are really bad. Nor, does he have any responsibility in fixing what isn't broken even if they cost me tons of money. Which is frustrating because I also know how incredibly cheap he is and approaching him on this isn't going to help at all.
Sunday, March 29, 2009
I first learned of Credit Karma from Single Ma at Fabulous Financials, I must have been reading her archives because that post is quite old. Anyway, I learned of credit Karma a couple of months ago.
Since then I learned an overall credit score based on what they told me and did nothing more with it. I just went and checked today really not much changed. I won't reveal my score but it is shameful and disgusting. So it is time to do something. What I can do? I don't know, there isn't much room with my income to really start paying off debt. At this rate though I'll never be able to buy a home and that is one of my dreams (isn't it everyones?).
There are a lot of features there besides obtaining your credit score. Go ahead take a look around. So far my favorite feature is this one Credit Score Simulator. Although, I'm not liking what I'm seeing there and what its going to take to get a high enough score to make a difference in home buying land at least I have an idea.
I can see also that realistically I can't afford a home it there is a mortgage calculator for home affordability it says that my maximum I can afford is $34,604. That is quite discouraging on some levels, but it will keep me staying my course with schooling.
I'm still playing over there, I can't believe I didn't use this to its full potential when I read about it. I'm glad now that I was reminded when reading my email today.
Wednesday, March 25, 2009
Tuesday, March 24, 2009
I bought the parts for the power steering pump, brake pads & rotors. Total cost $123.99, $20.00 of which I get back when I bring in my old power steering pump leaving the cost at $120.99. I do have to pay the guy repairing the vehicle a total of $50. I love it he needs money and I need repairs so we both can do each other a favor. He works out of his driveway today for a small amount and I can afford it YAY!!!
Total costs for parts and service for today: $170.99 not too shabby.While it isn't quite as cheap as DIY and I could have tried to get a used pump, this makes me happy for a couple of reasons. I'm not quite sure how cost effective a used pump would be or if it is something that should be put on used and I can't do this work myself.
Now I need those pesky gaskets (trans pan and oil pan) replaced and I think I'll be good to go. I need to find a garage to do this as the car will need to be lifted for the work. Cross your fingers that the brake issue fixes my problem and it isn't something much bigger.
What have you done for auto repairs? Do you barter for services? Do you do it yourself or do you go to a garage or a friend?
Side note. I decided to add a feature to this blog WWYD Wednesday where I'll post a scenario either one a reader submits, my own or a made up scenario and ask WWYD. I thought it would be a good way to get the blog going in the right direction and keep me posting as well as help out the readers.
Photo By: The Prime Buyer's Report
Sunday, March 22, 2009
- Rotors and brakes
- Power Steering Pump
- New hose for windshield washer solvent
- New Gasket for oil pan and trans pan both fluids are leaking
- Front end work that can wait
- Rust prevention
- The remote start I got as a gift installed
- Whatever leaks badly when it rains so I get a soaking floor on the front passenger side
Thursday, March 5, 2009
Variable expenses in my expenses are a source of anxiety and confusion. I'm not quite sure how to account for them and figure out what to budget each month for each of them.
Also, some months I don't have those expenses and some I do. I keep forgetting to add certain things to the budget because it isn't something I've needed to spend on in a while. Like household items, sometimes I don't buy any for months and then bam I run out all at the same time and need new of everything, which can get expensive for the month. How do I figure out how much of these items I use in say a year and budget out the money for them all year long so the money is there when I need it?
What variable expenses do you have in your budgets? I know I'm overlooking items and I'm afraid of doing it all wrong again.
Photo by: FCN
Monday, March 2, 2009
You are practicing becoming financially healthy, your friends have more money to play with than you do for whatever reasons (it doesn't matter the reasons in these scenarios they vary anyway). At various times they all want to do things with you, you turn them down. Except each time they beg and offer to pay.
What do you do?
They call it a gift, you feel like its charity. Which is it?
Is there a point you just always say no?
Sunday, March 1, 2009
Yesterday in my attempt to clean out the car for my trip into Canada on Wendesday I was getting in between everything and I found it!! What is great is I'm flying out of Windsor and need to bring my laptop and school books with me, that is NOT going into checked luggage, too much worth there. So I was at a loss at how I was going to bring stuff for me, as that will have to go into the overhead compartment its a rolling laptop bag that will have 4 college text books and my lap top. Unless I found a big enough purse, I had almost resigned myself to not having anything for that 12 hr flight (including layovers). Now that I found this and it was a score I can get that purse.
Unless anyone has some other suggestions on what I can do to pack a few magazines, a book and headphones, along with essential supplies that I'd need to carry like you would in your purse. I'm game for that because then I can use the GC for essentials with coupons and really be saving.
Saturday, February 28, 2009
As it stands at this very moment I need an extra $133.68 a month, once you add in other emergencies, funding an emergency fund, clothing allowance, and other expenses for my child (ie. extra curriculars that weren't included), money for a mini vacation for us.... I'll need a considerable amount more. Oye!
All of this doesn't even mention the amount I'll need to get caught up as well.
Also, I'd like to start doing screen shots and sharing them but I'm not sure how to do that on blogger so any tips are helpful there.
There are minor changes I can make to adjust but not much, things are already pretty bare bones as it is, and the items that are not bare bones have contracts.