Putting self on budget... total exile

iVillage Member
Registered: 03-26-2003
Putting self on budget... total exile
11
Mon, 10-27-2003 - 2:53pm
I am so frustrated with the amount of money that goes to walmart every month. For the month of November I am determined to spend only $300. I am putting my debit card away (don't used credit cards) and only getting $75 a week. That includes diapers, cleaning items, groceries, gas money etc.. I don't eat out, don't drive anywhere during the day (home daycare) and don't pay for cable or anything. I am just want to get our ccs paid off- at least one this year. We have 3- #1 has $1300, #2 has $8000, #3 has $12000. I would love to pay off almost 1/2 of our debt this year!... I guess I am just asking for support please.

I will only go to the store for absolute necessities...I will only go to the store for absolute necessities...I will only go to the store for absolute necessities...I will only go to the store for absolute necessities...I will only go to the store for absolute necessities...I will only go to the store for absolute necessities...I will only go to the store for absolute necessities...I will only go to the store for absolute necessities...

LOL

--Donna- CPS tech and mom to Emily Anne 8/31/01
Connect-The-Tots.org
Donna- Mom to Emily 8/31/01 Miscarried 8/16/05 CPS TECH and Child Care Provider

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iVillage Member
Registered: 03-27-2003
Mon, 10-27-2003 - 4:23pm
Donna,

Something that might also be helpful is to reconsider which of your needs actually are "absolute necessites."

I'm pulling for you!

Carrie :)



Carrie
iVillage Member
Registered: 03-26-2003
Mon, 10-27-2003 - 5:21pm
Well all of our bills are auto pay... Im talking about other stuff: groceries, diapers, wipes, xmas presents, extra clothes for myself or family (though some of the stuff was a REAL necessity after losing over 100 lbs, nothing of my winter clothes fit) car gas, movie rentals all of those... Basically its just a allowance of $75 cash a week...
--Donna- CPS tech and mom to Emily Anne 8/31/01
Connect-The-Tots.org
Donna- Mom to Emily 8/31/01 Miscarried 8/16/05 CPS TECH and Child Care Provider

iVillage Member
Registered: 03-27-2003
Mon, 10-27-2003 - 11:03pm
First--Congratulations on losing 100 pounds; that is fantastic!!

I know how you feel. I spend way to much time and money in Walmart also. I absolutely hate to go grocery shopping, but you wouldn't know it, I literally go to Walmart every day. I need to work on just going once a week.

We have Major credit card debt 1.$5000 2.$4000 3.$9000; this doesn't include home depot.

My goal is to get home depot paid off in the next 6 months, then work on the rest.

I know we both can get ourselves under control.

Dana

Avatar for cl_lfbennett
iVillage Member
Registered: 03-24-2003
Tue, 10-28-2003 - 7:59am

Good for you. Keep us posted so we can hold ya to it!


For paying off the credit cards, I don't know if you're doing this but what worked best for me was to have a fixed budget for CC payments. I forced myself to pay that much to the credit cards, no matter what else happened (short of having to charge more, in case of an emergency car repair, for example).


If Walmart is such a weak spot, would it make sense to get the things that you usually buy there from somewhere else? Such as ordering diapers online from one of the drugstores, for example? Just a thought.


You've got tons of support here! Hang in there. You can do it!

Leslie

Leslie
cl-lfbennett @ Frugal Living

iVillage Member
Registered: 03-26-2003
Tue, 10-28-2003 - 8:31am
It just wouldnt make sense to order them online. I might just send my husband to the store for diapers, I coulds probably just get my other neccesities from the regular grocery store though it would be more I think-(although if I ONLY have my cash amount for the week and thats it, that might work too) Though we DO have an aldis right across the street. And if I walk I would get my excersise in as well (Its less then a mile to get there and I have a nice wagon I could take.) Hmmm.. thanks for the idea... I am trying to go this week without spending money- and then saterday I get my "allowance"

--Donna
--Donna- CPS tech and mom to Emily Anne 8/31/01
Connect-The-Tots.org
Donna- Mom to Emily 8/31/01 Miscarried 8/16/05 CPS TECH and Child Care Provider

iVillage Member
Registered: 03-24-2003
Tue, 10-28-2003 - 8:58pm

Another idea- have you considered using cloth diapers and wipes? It might mean spending a little bit more on diapers for one month but then you're set until potty training- just how much are you spending on diapers and wipes per month? This might be another "essential" that you don't need to keep buying.



Ruth,


Single Mommy to


Ruth, Single Mom to

 <

Avatar for mommyof2grlz2boys
iVillage Member
Registered: 03-25-2003
Tue, 10-28-2003 - 9:28pm
walmart is a killer!! I would suggest when you go into get diapers soap ect you find a family dollar store or something like that so you can pay less and avoid some temptation. Make sure you always go in with a list and stick to it but fir me its much easier to avoid temptation! You can do it!
iVillage Member
Registered: 03-26-2003
Wed, 10-29-2003 - 6:04am
actually my daughter only has another 3-6 months in diapers I would say. She is starting to show signs of readiness and I dont think my dh would think that cloth would make sense at this point. As far as laundry soap ect. We get it in bulk at Sams club. We havent needed to buy body soap in over 3 years! I found it in a case lot sale once- 48 bars for under $5! LOL Too good a deal to pass up. I dont go to Walmart during the day though- I have a home daycare so I am homebound during that time- its on the weekend and the evening when Im bored that I go... I did good yesterday- just got bananas and one thing of icecream- total spent- $6.22- woohoo. Also I think that I will not grab a cart, just a handbasket. That might make it where I cant take a bunch home...
--Donna- CPS tech and mom to Emily Anne 8/31/01
Connect-The-Tots.org
Donna- Mom to Emily 8/31/01 Miscarried 8/16/05 CPS TECH and Child Care Provider

Avatar for twinmom8508
iVillage Member
Registered: 03-27-2003
Sat, 11-01-2003 - 9:16am
Congratulations on the weight loss!! I, myself also just lost over 100 lbs so I know what you mean when you say buying the clothes were a necessity LOL. If you don't mind me asking how did you loose yours and how long did it take?

As for the staying on a budget, keep letting us know how it goes, we will give you the encouragement you need!!

LaDonna

iVillage Member
Registered: 09-08-2003
Tue, 11-04-2003 - 2:58pm
We just paid off credit card debt of about $16,000. I realized that I had a "spending problem" in that I would go to walmart, target, etc out of boredom and look for something to buy. Now that my two older kids (expecting #3 in April) are out of diapers it has been alot easier just to stay out of the stores. My dh does almost ALL the shopping, and if I need something (a new pair of walking shoes for example), I don't go into the store alone. He usually comes with me to question "do you really need that?". It feels so good to have no more cc debt that it is easier to resist temptation!

I hope you can stick with your plan and get the debt to a more manageable level...good luck!!!

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