5/5 Weekly Check-In, Everyone!

iVillage Member
Registered: 03-20-2003
5/5 Weekly Check-In, Everyone!
26
Mon, 05-05-2003 - 12:50pm
It's that time of the week when we check in with one another and share our progress and struggles. Let's hear from everyone, lurkers, posters, newbies. We had 27 posts last week! YEAH! Good for you! Let's set a new record. I know this new board is still slowing lots of us down but let's get past that and keep our community vital!

cl-12by10

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iVillage Member
Registered: 03-31-2003
Mon, 05-05-2003 - 1:10pm
I give myself a thumbs-up right now.

At lunchtime today I went to the bank and deposited the money I made teaching yesterday. That way after my outstanding checks are deposited, I'll still have $500 left in there for bills for the rest of the month.

DF has decided to pay for all food, since I'm doing all the cooking, plus tending this fabulous new raised bed vegetable garden that we built this weekend. I figure I should get at least 75 jars of veggies - 15 summer squash, 15 zuccini, 20 green bean, 20 tomatoe, 5 carrot. Plus freeze peppers and broccoli. Not to mention the lettuce and cucumbers we get to eat. So that frees up at least $100 for my budget every month.

I forgot to hand him my new credit card, the one that I rolled some balances onto because it's 0% balance transfer. I'll do that tonight.

I didn't go any further into debt this weekend. I used cash and debit card to pay for everything, and it was all garden-related.

Every time he wanted to eat out this weekend (starts at Friday dinner, continues through Saturday breakfast, Saturday lunch, Saturday dinner, Sunday breakfast) I told him no, I'd rather cook and save the $20.

We keep our money separate still, since we're not married yet. He sees how I fight the shopping compulsion constantly in order to pay down my debt. I think in that respect I'm a good example. He has as much debt as I do, but at the moment doesn't mind carrying it. I'll bet as he watches me pay mine down though, he'll want to do the same.

Goals for the week:

1) stay away from the vending machine

2) stick with my meal plan so no food gets wasted

3) No online spending

4) 15 minutes on Quicken every night

5) keep reading "How to get out of debt" on the subway every day

Lee Ann

Lee Ann

www.werenotafraid.com

iVillage Member
Registered: 02-23-2001
Mon, 05-05-2003 - 1:15pm
This week is going pretty good. I usually go to the supermarket, Costco, Trader Joe's, and the cheap meat store twice a month. I only went to the supermarket and got everything there for a change. I have been spending $700 a month on groceries lately. I have no idea how or why. This paycheck came with more than the usual bills. I spent $140 for two full weeks of groceries (incl. paper/plastic and toiletries)! I got everything we need and will probably only have to pick up one or two more things by the end of this week. I think my grocery bill will be around $300 this month!!

Debt = $10,206

Angela

Angela


Come see my BLOG!

Avatar for judy_jetson
iVillage Member
Registered: 03-26-2003
Mon, 05-05-2003 - 1:30pm
I did pretty good this week. I revised our budget, showed my husband and we seem to be doing pretty good with it. The weekend is where we really spend a lot of money and I'm proud to say we did great! I went over budget on the shopping by $10.00, but we hadn't gone food shopping in over 2 weeks, so that was ok. I allotted $50.00 each week for going out and we didn't eat out at all this weekend. So, we used $20.00 of the $50.00 and went to Wal-mart to get some needed items for the house. I also got our federal refund check back, although it was so small, but I put it towards my "target" card. Yeah!!! I am so proud of my DH for working with me on this budget and getting out of debt. Our goal is to be out of debt in 2 years, still put money away for savings, sell our condo and get a slightly bigger one, so that we can try to get pregnant. I feel that we should be able to do this. I hope!

Here's to a debt free week!!!

JJ

iVillage Member
Registered: 03-26-2003
Mon, 05-05-2003 - 2:23pm
Well, i'm doing terrible, I went and spent money like we actually had some to spare, I guess that's what i get for depriving myself for so long we ate pizza for dinner Sat., I had to pay on DS's dr. bill Sun and pay for a prescription. I bid on a few diapers for DS because he outgrew his others some time ago but, i've been trying to stretch them to last a little longer. I have no idea how we're going to get back on budget and I must say i'm so depressed I don't even care if we do or not, I really do care, just feel like i'm fighting a losing battle. Sorry to be so negative all the time things just don't seem to get better and when they do they don't seem to stay that way for very long. We've had sick kids this whole week so imagine how many prescriptions and how much cough syrup i've had to buy and to make matters worse it's not warming up. Where's the sun?
Avatar for mymartes
iVillage Member
Registered: 03-26-2003
Mon, 05-05-2003 - 2:52pm
It's been a good week, since we rec'd one of our refund checks.

I opened an emergency fund w/$500 (separate bank from where h and i have checking). We got our suv brake work done and full tune up. That cost us $1,000. (Paid cash). I have $500 to buy myself a much need new wardrobe. I also put aside $500 for my h. He is also in need of a new wardrobe. I put aside $1,000 for the kids. (I figured it's their $). I snowflaked $1,600 toward the cc.

In two weeks, we are going away for the weekend. I was concerned that we didn't have any cash for this much needed getaway (although, we are taking the kids). Now I'm relieved that we have some spending money. I put aside $500 for that weekend trip. However, I don't plan to spend all of it.

Have not decided what to do w/the rest. It just sitting in the acct. I'll probably end up sending more toward the cc.

Total cc debt as of today is $32,500 from $40,000. I've been paying only the minimum on our student loans.

MYM

Avatar for mrslove2000
iVillage Member
Registered: 03-26-2003
Mon, 05-05-2003 - 4:06pm
Not sure how I would classify this past week. DH closed 3 deals (yeah-it's always nice to get a paycheck) However, my computer was on the verge of crashing, so we bought a new laptop yesterday. I cringed at writing that check, its been a long time since we paid cash for a fairly large amount. I sometimes think I should have gotten a cheaper model and saved money but I really like it. We managed to save money for taxes and probably still have money to snowflake this week. I guess it was a good week after all.

Susan

<ahref="http://www.TickerFactory.com/debt/wJLmWvM/"><imgborder="0"src="http://tickers.TickerFactory.com/ezt/t/wJLmWvM/debt.png"></a>

iVillage Member
Registered: 03-27-2003
Mon, 05-05-2003 - 8:08pm
Well it is only Day 5 and my budget isn't going so smooth, but this is something that I am new at, so I shouldn't expect to be perfect right away! And DH and I are merging our differing money styles, and finally not fighting about it. Still it is hard, but I am hoping that by June we won't be paycheck to paycheck and we can really start snowflaking...

R

iVillage Member
Registered: 04-01-2003
Mon, 05-05-2003 - 10:08pm
Well, just your average week for us. Had to pay the phone bill by electronic check (no extra charge, thank goodness) because we got a disconnect notice, and I am behind on 8 other bills (which total $3,000). We did get our refund check today, so after that clears I can go grocery shopping and pay a few of those past due bills. We will be hit with late charges, but I can't do anything about that right now.

The good news, I snowflaked a whole dollar (a really big deal, if you knew how little money I have right now), I made my own play dough and saved a dollar, and I only spent $26 on groceries last week.

I am determined to pay down this debt, grrr.

wendy

Avatar for meandmypea
iVillage Member
Registered: 03-27-2003
Tue, 05-06-2003 - 9:27am
Things are off to a rocky start this week. I really hate the first week of the month. School loans, house payment, and my biggest credit card payment are all due. The house payment and school loans have already cleared my account, and I just paid my $171 credit card payment today, with $207 in my account. We don't get a paycheck for another week, so I know I'm going to end up tapping into my overdraft protection. *sigh* I'm late on one of my life insurance payments and my AAA membership has lapsed. I'm just going to send the payments in and let the overdraft cover it.

ugh. I was doing so well. Now I feel like things are out of control. Hopefully this is just my 'catch up' month and I can get back on track soon.

Bridget

Bridget
iVillage Member
Registered: 03-31-2003
Tue, 05-06-2003 - 9:34am
I'm trying to stay positive, so I didn't use the unhappy face I wanted to use.

I have $58 left for the month. But I've got a final gas heating bill coming in 5-10 days, which should be around $350. I suppose there's no real hurry to pay it, since I don't live there anymore, and the gas in my new house is in DF's name.

And that $58 doesn't count the dance income I should be getting, probably around $450 for the month, $150 each Sunday.

On the positive side, at least I've paid most of my bills for the month, oops, except our mobile phones. I'll have to pay them on Monday after depositing this Sunday's dance income.

I've consolidated my two final credit card balances onto one 0% balance card, then gave that card to DF to hold, along with my Amex.

I'm going to eat some fruit now, and drink some herbal tea. Where's that worry stone...

Lee Ann

www.werenotafraid.com

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