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Archive for September, 2007

I just don't understand...

September 25th, 2007 at 09:08 pm

why peoples priorities are so backward. I have some friends (and kin) who spend, spend, spend, and then complain about not having any money. New cars, new big screens, the best of this, and the best of that. I'm sure alot of these people make the equalivant of what my husband does, if not more, and never have any money when needed.
Do these people not know how to put back for a rainy day???? Or do they just feel like they need to keep up with the Jonses. Do they have no self control??? Instant gratification is not good!
I myself have a small amout in my EF, clip coupons, do rebates, etc.
I am also tring to instill in my children that anything worth having is worth waiting for (and working for).
I just want to tell these people that they don't need all the crap that they buy, but it wouldn't do any good. I guess they enjoy the rat race.

I'll take peace of mind any day. Smile

Okay, vent over.

Changed 401K

September 21st, 2007 at 06:48 am

Last night my DH and I were looking over his 401K and changed it up a bit. We are going more agressive. We put most everything in stocks, with 10% in bonds, and 10% in a balanced fund. We'll see how it goes.

Have to run a few errands today. Seems like that's all I've been doing. I want to have only 1 or 2 errand days a wk, but something always comes up.

I rented a movie from Redbox, so should have a quiet night at home tonight. Smile

Challenge update:
$2888.00.............balance
$ 23.00.............coupons
$ 10.00.............rebate
$2921.00.............new balance

Coupon savings added to the challenge

September 20th, 2007 at 09:53 am

Went shopping yesterday and saved 50% with coupons. Will add that to the challenge.
Added $1000.00 to the EF/Christmas fund bringing total to $3000.00. Whatever we have left after Christmas (over $1000.00) will be applied to the car pymt.

Challenge balance.....$2788.00
Added..................$100.00 (coupons)
New balance...........$2888.00

Car balance..........$15,725.00
Paid..................$3,000.00
New balance..........$12,785.00 (with int.)

Saved $3900.00

September 18th, 2007 at 06:06 am

Had the A/C guy out yesterday. Turned out all it was is a small leak out by the compressor. He fixed that and added 2 lbs. of freon for a total of $105.00. I have never been so happy to write a $100.00 check in all my life! A new unit would run around $4000.00. Since it's so old, i was asking if it would be worth it to replace it soon. He said keep it until it totally goes out.
My DH is extremely happy because we can apply his back pay to the car pymt. as originally planned. Will do that today.

One step forward, two steps back

September 16th, 2007 at 08:23 am

My DH got his back pay last Friday as anticipated. It was a sizable chunk. I was going to apply it to my car payment but my A/C is now acting up.
Last night I had it at 78 degrees, and the temp. in the house was 83. I tried flipping the breaker (that didn't work), I turned the unit off and checked to see if any pipes were frozen over (no). I then just turned it off and turned several fans on. By bedtime it was pretty muggy and hot, so I turned the air back on. It took around an hour to cool back down, and has been working fine ever since.
This hass happened two times before, and our electric bill has jumped $110.00 this past month.
Sounds like it's gonna be expensive! Replacement time for the A/C? More than likely. Will call someone out tomorrow.
So money allocated to the car will be applied to the A/C. The bright side is that we have it.


Adding to the challenge

Balance....$2726.00
Adding.....$ 54.00 (coupons)
Adding.....$ 5.00 (survey)
Adding.....$ 3.00 (rebate)
New total..$2788.00

Adding to the challenge

September 13th, 2007 at 12:53 pm

The kids and I rolled the change today. $162.00 added. Also adding $5.00 for a NSD.

New total....$2726.00

Updating the challenge and question

September 12th, 2007 at 06:04 am

I haven't added to the challenge in quite some time, but I'm only going back a few days.

$2455.00 balance
$ 10.00 2 NSD (Mon & Tues)
$ 80.00 cake and cookie orders
$ 14.00 coupon savings
$2559.00 new total

DH is due some back pay. Hoping to get it Friday. That will be applied to my car payment. Maybe getting it paid off w/i 9 mos. will happen.

Okay, now the question. My 12 yr.old son wants a laptop for his birthday/Christmas combination gift. I have budgeted for this but really don't have a clue what kind to get, memory, brand, etc. Anyone have any suggestions? TIA

You know it's been a long time when...

September 4th, 2007 at 07:21 am

(get your mind out of the gutter) I had forgotten my password and had to reset it. Smile

It's been a hectic summer. Now it's time to get back into the groove. DH is adament about paying off my (new to me) vehicle. We owe roughly $16,000. We hope to have it paid off within 9 mos. Is that possible? I don't know.
We sold our van, applied some extra money, and paid off DH truck to the tune of almost $4700.00. Boy, I could have really went to town and spent some of that! But I am trying to be more disiplined.
Any money I get for the challenge I will pay extra to the new car on top of what DH wants to pay.

Hope all had a good Labor Day weekend.