Spending budget: $400/mo. We bought $411.25 after some returns and made $45 selling some items. Total spent in January: $411.25 – $45 = $366.25 Right now we have a total of $1208 in the Disney fund: We received $40 in Disney gift cards for Christmas to spend while we’re there! Our $400 spending budget has to cover all groceries, household supplies, personal care products, gifts, clothes and other shopping purchases, as well as home improvement and entertainment. It’s about {Read More}
December 2012 Getting Out of Debt Update
January 10, 2013 by Leave a Comment
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Spending budget: $400/mo. + $59.70 left over from November’s budget = $459.70 We bought $583.99 after some returns, made $76.40 selling some items and cashed in for $50 cashback award from Discover. Total spent in December: $533.99 – $76.40 – $50 = $457.59 – whew, barely made it! Right now we have a total of $1208 in the Disney fund: We added $215 from Christmas gifts. We also received $40 in Disney gift cards to spend while we’re there! Our $400 {Read More}
November 2012 Getting Out Of Debt Update – Refinance
December 6, 2012 by
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Spending budget: $400/mo.Total spent in November: $340.30, less a $16.30 return = $324 Right now we have a total of $993 in the Disney fund: I added $35 this month from selling some toys Our $400 spending budget has to cover all groceries, household supplies, personal care products, gifts, clothes and other shopping purchases, as well as home improvement and entertainment. It’s about a 30% reduction to our spending budget. My goal is to save enough to cover a trip {Read More}
October 2012 Getting Out of Debt Update
November 15, 2012 by
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Spending budget: $400/mo.Total spent in October: $308.31 Right now we have a total of $958 in the Disney fund: $85 from a yard sale and selling some toys $18 part of my November splurge money Our $400 spending budget has to cover all groceries, household supplies, personal care products, gifts, clothes and other shopping purchases, as well as home improvement and entertainment. It’s about a 30% reduction to our spending budget. My goal is to save enough to cover a {Read More}
September 2012 Getting Out of Debt Update
October 4, 2012 by
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Spending budget: $400/mo.Total spent in September: $340.29 Right now we have a total of $855 in the Disney fund: $80 from selling some toys/baby items $15 my October splurge money Our $400 spending budget has to cover all groceries, household supplies, personal care products, gifts, clothes and other shopping purchases, as well as home improvement and entertainment. It’s about a 30% reduction to our spending budget. My goal is to save enough to cover a trip to Disney World in the {Read More}
August 2012 Getting Out of Debt Update
September 6, 2012 by
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I was really striving to stay within our $400 shopping budget in August. Despite my efforts we came in at about $401. I’m really not worried about a dollar, just frustrated we chose to not be successful. The purpose of sticking to this budget was to force ourselves to dedicate more funds each month towards paying off our houses quicker. While we still made an extra payment last month, we weren’t able to do as much as I hoped. Our {Read More}
Getting Out of Debt July Check Up
August 2, 2012 by
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Our $400 spending budget has to cover all groceries, household supplies, clothes and other shopping purchases, as well as home improvement and entertainment. It’s about a 30% reduction to our spending budget. My goal is to save enough to cover a trip to Disney World in the spring (essentially we only have to pay for airfare and 1 child’s ticket). It’s the best time for our family to go educationally and financially, but I only feel comfortable doing it if we can {Read More}
From Eating Out 3 Times a Day to Nearly Debt Free in 4 Years
July 26, 2012 by Leave a Comment
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This guest post is from my dear friend Julie who writes over at Pary Moppins Perfectly Practical. My husband and I have made a lot of stupid (this is basically a dirty word in our house but it is so appropriate here) financial decisions throughout our thirteen years of marriage. Some choices were based on keeping up with the Jones’ and others were to keep our heads above water for a short time, but all could have been avoided. For {Read More}
Finding Peace in More Than Just Finances – Guest Post
July 12, 2012 by Leave a Comment
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This is a guest post from my sweet friend René . 3 years ago my husband and I realized we had a problem. We were living paycheck to paycheck and barely making ends meet. It was a cycle that we had repeated throughout our marriage. Our first year of marriage we were both working, had a small amount of savings and just spent whatever we wanted whenever we wanted. A month after our first anniversary our daughter was born and I decided {Read More}
Becoming Debt Free June Budget Totals
July 5, 2012 by
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Last month I set a new monthly goal for spending at $400 to include all groceries, health & beauty products, decorations, gifts, clothes, entertainment home improvements, etc. Basically anything that isn’t a billed item. The only exclusions are gasoline, childcare while I’m working and home repairs. This was a 20% or more cut to our budget. My goal of course is to pay off both our homes quicker. In July we spent $400.51 of the $400. It looked like we {Read More}