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Archive for July, 2006

Gotta start somewhere

July 27th, 2006 at 12:08 pm

Today i am in the frame of mind that I must, as everyone says, pay myself first. So today I added 36 to savings which felt good. The rest of my finances need sorting, but until I am able to earn more money we just have to muddle along. We booked a holiday for the 6 of us on a whim, which, although is needed, was pure madness as we will have to live borderline poverty to get there in Sept! oh well, live and learn huh?

On a different note, the weather here is glorious, so me and the kids are making the most of it. Poor hubby stuck at work in a factoryn ho hum.

I want to move to USA!

July 8th, 2006 at 03:06 pm

Strikes me that you guys earn so much more than us folks in UK. I just read on another site about frugal living that one person has managed to pay off over $8000 of debt since January. Geez i haven't earned that much since January!
I have always had a fascination with USA, although have only visited twice. I love reading all your blogs, it keeps me focussed. I read a lot of books to keep me focussed too, but would welcome any book suggestions. Sorry for the second post of the day!

Failed on a no spend day!

July 8th, 2006 at 08:51 am

Had to buy some flowers for my aunts Birthday. I already gave her some gifts, but I felt so sorry for her as my uncle is now in a residential home and she lives alone. She's a very young looking 76 today. Also picked up some fresh beetroot to go with salad for lunch. Not too bad it came to less than 5.
We have our name down on a site where you can bid for rental homes. We had bid on one fairly near us, which would have been ideal. We fit the criteria, ie have two young kids, work and live in area, but alas we didn't get this one. At the moment we half own half rent our present home and I know it's not considered savvy to go from owing to renting, but the equity would pay off our debts and give us a little nest egg. Also, if we can rent we wouldn't have to worry about paying house repairs, which have been a major source of wasted money to us lately (don't ask!). I'd appreciate views on this???

Getting to grips with logging spending

July 7th, 2006 at 12:23 pm

Well I walked into town with my daughter this morning (she's 27 and has a 9 year old son). We both had to buy Birthday party gifts for the parties that our sons are going to. She spent 10 I spent 6. I feel like a cheapskate, but my son's friend is only 3 so they don't put a monetary value on 'things'.
I have had to tighten our belts as we need to pay off a 14000 loan we got to build a kitchen extension. I really regret doing it now too, so it's been a very costly learning curve.
My hubby hands his wage over and doesn't know much about what goes to pay what, he likes it that way. I like it that way too but it also means I get to do the worrying! So I've decided to log what we spend on a day to day basis. Todays is:
Gift 6
Cheese pastry 65p (my son wanted it for lunch, and I gave in as he is a very fussy eater)
4 bottles of water on offer 1
Gift wrap 58p
washing up liquid 68p

I will try to have a no spend day tomorrow.

By the way thanks to the ppl who replied to my first post! I was quite embarrassed as I sent it twice by mistake. Not a good start lol.

First tentative steps

July 5th, 2006 at 07:51 am

at blogging! I've been reading the blogs for sometime now and been very inspired, so I thought maybe I'd try one myself. So hello everyone.
As my name indicates, I'm from England. Firstly can someone explain to me what the $20 challenge is?

First tentative steps

July 5th, 2006 at 07:51 am

at blogging! I've been reading the blogs for sometime now and been very inspired, so I thought maybe I'd try one myself. So hello everyone.
As my name indicates, I'm from England. Firstly can someone explain to me what the $20 challenge is?