About Me

DEB

I am married to a 'most of the time wonderful guy' and the mom to two great kids. I'm a high school teacher and I'm currently working on a Masters degree in Education.

2010 Tentative trips

February 2010 Puerto Rico
Need $1,000.00
9/15/09-$200.00
9/30/09-$250.00
10/16/09-$450.00
10/31/09-$650.00
11/15/09-$850.00

March/April 2009 Ireland
Need $2,500.00
9/15/09-$250.00
9/30/09-$450.00
10/15/09-$650.00
10/31/09-$900.00
11/15/09-$1,150.00

****SAVINGS TO DATE****
Money Market Account:

10/15/09= $21,644.94

Savings Account:

10/15/09=$25,820.12

Total savings goal=$50,000.00

****SUMMER FUND 2010****
(So I don't have to work in the summer and home repairs)
Goal by June 30, 2010
$13,000.00

9/15/09-$550.00
9/30/09-$1,100.00
10/16/09-$1,650.00
10/31/09-$2,200.00
11/15/09-$2,750.00

****GOALS FOR 2009****
[ ] Remove in-ground oil tank
[X] Save for a granite counter-
top, stainless steel sink
and range hood.
[X] Replace the deck. (priority)
[X] Take at least 3 graduate
courses in 2009.
[ ] Increase the extra principal mortgage payment to $200 instead of $150.00.
(X) January/2009
(X) February/2009
(X) March/2009
(X) April/2009
(X) May/2009
(X) June/2009
(X) July/2009
(X) August/2009
(X) September/2009
(X) October/2009
(X) November/2009
[X] Increase savings to $20,000 by July 1st, 2009.
[X] Increase Personal Savings account to $23,000.00 by December 31, 2009.

****Personal 2009 Goals****
[ ] Exercise more
[ ] Lose weight (I'm working on it!
[ ] Try to visit my parents at least two times a year.

****Long Term Goals****
[ ] Pay-off 30 year mortgage in 10 years. (26 years remaining)

Trying to spend less!!!

December 16th, 2008 at 03:35 pm

It's been 4 days since I challenged myself not to buy any food from fast food joints. I realized that I'm spending way too much money eating out, not just buying for the kids but also for me. I'm allowing one day for eating out, probably on Friday. I'm also not buying any meat in my attempts to empty out both the deep freezer and the house freezer.

Picked up my son's Christmas present, still have to buy a stereo system for my oldest (he has one, but is falling apart and he is big on music). Need to buy quite a few blockbuster cards for nieces an nephews. I'll make a goodie bag with a bag of microwave popcorn, movie theater candy (which I'll buy at Walmart)and a $5.00 blockbuster card. Do you think this a good idea? I'm also making a bookmarks (idea posted by a fellow blogger)for the readers in the family.

Posted in Uncategorized | 4 Comments »

4 Responses to “Trying to spend less!!!”

HouseHopeful Says:
December 16th, 2008 at 03:55 pm

Dollar stores are great for the movie size candy too. Neat idea with the movie package!
creditcardfree Says:
December 16th, 2008 at 07:22 pm

Yes...movie package is a great idea! I did this one year for a couple families...they got $10 gift cards, popcorn and packet of hot chocolate. Good job on the spending less!!
Amber Says:
December 16th, 2008 at 07:34 pm

I have a problem with dining out as well, the days I don't I add $2 to my challenge. I think it's great that you are cutting back and I agree the movie gift is great
gamecock43 Says:
December 17th, 2008 at 05:21 am

I quit eating fast food because I knew I shouldn't eat it, and made it a personal challenge...now when I "cheat" I start gagging as the food is in my mouth. The texture, the taste, it all grosses me out. Saves a lot of money that way!!

Trying hard not to be a slave to the lenders.

Teaching my sons to be fiscally responsible by example.

Trying to spend less!!!

4 Responses to “Trying to spend less!!!”

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