Need frugal advice.

iVillage Member
Registered: 01-24-2007
Need frugal advice.
10
Wed, 03-04-2009 - 10:05am

Hi there!

 
~Samantha
 
 
iVillage Member
Registered: 01-13-2005
Wed, 03-04-2009 - 10:53am

Congrates. I never call babies Oops just surprises. I am sure in a few days it will feel like there was no other way than having 3 kids.

My quick advice is to start trying to cut out everything that you don't need. Like HBO, eating out, etc. I would start to try your best to live just off of DH income and either bank your income OR pay off debt. I would have a long confo with DH and work all numbers. I once watched a Dateline that showed a women who worked full time, once they did all the math including dry cleaning for work, eating out at lunch, Gas to and from work found out that she was paying to work. She was able to stay home. Something to think about- I would start there and start a budget. The most inspring quotes I ever read..... a budget is telling your money were to go instead of wondering were it went!

So true-
good luck!

Erin

Erin
iVillage Member
Registered: 03-27-2003
Wed, 03-04-2009 - 11:02am

Have you considered cloth diapering?

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iVillage Member
Registered: 01-24-2007
Wed, 03-04-2009 - 12:53pm

Thanks for the great advice ladies.


We just last year got a bundle from Comcast for our phones and cable, but the deal we got included everything.

 
~Samantha
 
 
iVillage Member
Registered: 10-01-2007
Wed, 03-04-2009 - 3:36pm

I think that is a great idea about putting up your paychecks. Your right first you want to make sure you can live on dh income alone and not depend on your money. OH and welcome to the board, i should have said that first. (sorry) If you haven't already jump in there on the Monthly challenges. We also have a thrifty thursday. Look over those and see if you can do some of them. :))


jess



iVillage Member
Registered: 03-03-2009
Wed, 03-04-2009 - 3:59pm
Yard sales are a great place to find great baby items. Also try local resale shops. Congrats!

Denise


Live Well - Love Much - Laugh Often

Denise

Live Well - Love Much - Laugh Often

iVillage Member
Registered: 12-13-2007
Thu, 03-05-2009 - 12:24am

I think the idea of putting your money into a seperate bank account is fantastic. I might even consider just putting it into a savings account. And if the savings account is with the same bank, then you can easily transfer money, if an issue comes up.

I would definately start keeping track of everything you spend, though. For example, I didn't realise how much we spend on medical, when I added up dr. visits, chiropractic co-pays, and dental.

RedBox is great! I would love to live close enough to town to utalize it. I'm getting better at utalizing Netflix though. When I pushed my cable company (Dish Network), they offered me a "welcome pkg.", which for $14.99, included all the local channels, plus lots of channels I enjoy such as Food Network, HGTV, TLC, History, and CMT. I would have paid $9.99 just for local. I just don't get the cartoon channels, but we've been watching PBS instead.

Oh, and in regareds to magazines, see if your local library carries them. Or sometimes they'll have used magazines they give away. Also, my DH drinks Coca-Cola, and I started entering the codes into our online profile. For 224 points, I got a free subscription to Oprah, which I think would have been $20. But most subscriptions are only about 148 points.

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iVillage Member
Registered: 12-30-2003
Thu, 03-05-2009 - 4:09pm

Congratulations on your pregnancy!

Avatar for mom_x_three
iVillage Member
Registered: 03-27-2003
Fri, 03-06-2009 - 2:40pm

welcome...you've gotten a lot of great advice already

do you have any friends/family who might have a crib,etc you could borrow or buy cheaply? alternately a local resale shop for things other than a car seat, I'd definite want a brand new car seat

meal planning with the sales ad, and then using coupons...and looking for store brands, using less convenience foods etc are all ways to save on groceries

do some comparison shopping to make sure you are getting the best possible deals on all insurance, phone service,etc...you may be able to find some better deals with a different company, make sure you haven't missed any discounts, that kind of thing

putting your check in savings to really see if you can live on one income is a good idea, if you can't completely live on one income....you have lots of time to work out things like maybe going part time or looking into other ways to make money..maybe babysitting at home, or whatever

Sherry


happily married since 2003...a blended family with 4 kids, 2 beautiful granddaughters

Sherry<with 3 kids, 2 beautiful granddaughters

iVillage Member
Registered: 02-11-2009
Fri, 03-06-2009 - 8:08pm

Hi there!

iVillage Member
Registered: 06-11-2008
Fri, 03-06-2009 - 9:10pm

Hi


I am due with my third (which was our surprise blessing) in 2 weeks. I too got rid of all my baby stuff except my car seat and my bassinet. I asked friends. Most of my friends are done having kids so i asked everyone and was able to get a great swing, bumbo seat and a bouncy seat. i also got some baby clothes this way as well.